You've probably already closed, but if you're in Minnesota, I would highly recommend Sue Woodard. She is a nationally recognized and highly knowledgeable broker. I'm a loan officer in Idaho recommending another loan officer in a different state; that should tell you something!
Best of luck to you!
I highly recommend Kathy Harrison with Bell Mortgage.
She has integrity & is very honest. If you are talking/comparing good faith estimates (gfe) with different lenders, Kathy will review the other gfe's and tell you if she can provide a better service to you than what you are looking at. If she can't, she'll tell you it's a good deal and you should go with it.
Kathy has assisted many of my clients over the years, including some of my family members! They always go back & refer her to their friends and family.
Give her a call, drop her an email, check out her website - she'll do right by you!
The problem is that no one knows how to read the forms they sign or what they actually mean. For this reason I have become a realtor and a loan officer. I explain the process and I show my clients the actual bank rate sheets which as a consumer I had NEVER been shown. I feel it is my responsiblity to help my clients understand how the banks work and how the rate sheets actually works. Then my client picks the loan they desire. I do not steer them into a loan that makes me the most money. I show them the difference and they select. I have taken out over 30 loans in my real estate investing and I have NEVER been shown a rate sheet from a bank nor had any one explain how that part works.
The real sad part is that I have seen is family memebers taking advantage of their own family. HOw can that be anything else but GREED! Regulations have now been put in place where you have to be shown what your broker or banker is making on the loan. But if you don't read it you wont know and by then its to late.
Find someone who will explain the process and show you the rates from the Banks. Mortgage brokers do not fund the loans they use banks.
If I can be of any help you can find David Rivas at http://www.caminomortgage.com or feel free to email me there or at firstname.lastname@example.org.
I think you might be a little misinformed on the role of a mortgage broker. Yes, they do shop around for different rates with different companies, but that isn't to say that assures you a better price than a loan officer that only works for one bank or what another broker would quote. Sometimes a broker is better, sometimes a banker. The difference is where their money comes from. A broker does not hold the loan, a banker (Wells Fargo, US Bank, etc) has the money to underwrite and hold your loan indefinitely on their own... so they are direct lenders vs. resellers of others' loan programs. With recent tightening of lending standards, I've found a couple situations where a banker has been able to get loans for my clients a broker could not.
Also, since rates change every day (sometimes 3x a day) and vary by loan product, it is important it is an apple-to-apple comparison.
Finally, some bankers and brokers will "goose" their fees so that they can buy down the interest rate. It is important that each quote you get be comprehensive and only look at the lender fees, not the title, taxes or escrow amounts as those are based on whatever it costs and sometimes lenders will set them artificially low to account for their inflated fees.
Give Greg Marzolf a call at Bremer Bank. Great local MN Regional Bank and outstanding loan officer 25+ years.
Direct Dial: 651-726-6008
PLEASE don't worry about credit pulls as long as you are shopping for the same thing (A Mortgage) they count as one. A mortgage is the second biggest decission on the biggest purchase most people do in their lifetime. Now if your having credit pulls for a boat, limo and an RV at the same time it's a different story.