There are many great lenders available in this area. However, going direct to a lender may not always be the best choice. Direct lenders typically do not have the "menu" of loan products that a loan broker can make available to you. If you have a relationship with a bank, such as a Wells or a B of A, and you are comfortable with their service and their ability to provide you with loan product you are looking for, then by all means, utilize their service. However, if you desire options, strong consultations, and service that may be required evenings after or weekends, a mortgage broker may be your best option, as brokers have access to the same loans that the banks offer and also many loans that they dont.