Please talk to your Realtor and have them guide you to a couple of different mortgage agents. After interviewing them and getting a Good Faith Estimate you can make a decision for yourself what would be the best scenario for you.
knowing the Lender will not help you; they will not talk to you, they will not deal with you:
The Banks insist on Buyer being represented; so much, that they are willing to pay for YOUR Realtor.
Just contact any Realtor and have them investigate your chosen house.
Good luck and may God bless
Roberta Flanagan Realtor, Inc.