Shop around and do your homework. Always, always, always ask for a good faith estimate. You want to make sure you're comparing apples to apples. Some lenders charge a loan origination fee up front and some don't. Some lenders will let you buy your rate down...this is a great option if you are asking the seller to pay your closing costs. Lets say you asked for $8,000 in closing costs but it only ends up costing $6,500. Well, rather than that $1,500 go back to the seller, the lender can use it to buy your rate down.
A good agent should be able to direct you to a trustworthy lender or you can probably go directly to Wells Fargo, Bank of America or another direct mortgage lender. Whoever you use, its a good idea to use a loan officer who is local to your area....someone you can meet face to face if needed. Hope this helps!!
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