I can only recommend to you what I recommend to all of my customers.
1. Avoid local mortgage brokers, I have seen too many Good Faith Estimates be wrong when it was time for the rubber to meet the road. They almost all seem to "forget" to mention certain criteria that costs the borrower money in the long run. I have a mortgage broker license and when I started to place my license I was being told I could do things that as REALTORÂ® I had seen done and felt bad for the borrowers so I decided to not participate with any of them.
2. Most commercial banks now have mortgage products that equal or beat any deal you can get from a local lender so check them out.
3. These internet mortgage companies are even harder to deal with, especially if there's a snag at closing since the computer sitting on the desk is hard to deal with. Far better to havea human at the closing.
I know I'll get Thumbs Down from everyone in the mortgage broker business but i really believe a lot of our current problems with the "Mortgage Meltdown" starts with them
JD â€œDanâ€ Weisenburger, GRI
Vanguard Realty, Inc. GMAC Real Estate
Century 21 Infinity