Any more questions
I would highly recommend you find one in your very area that you can go in and visit face to face.
I recently met with some clients, referred by their real estate agent, who were working with an out of state loan agent. The interest rate that was being charged and the fees were huge.
I feel working with a loan agent who is referredd to you by the real estate agent you have chosen is a great way to get the best loan agent.
The loan agent relies on the real esate agent to share leads with him. If the loan agent is gauging (which is what I saw), the real esate agent is not going to feel his client is being best served.
Ask the loan agent to show you how the fees are going to be paid if the seller cannot or will not pay the fees.
Have another loan agent review the pricing. Ask for estimates (loan fee worksheets) or Good Faith Estimates once you are in escrow to compare pricing.
Please do not let yourself be taken advantage of!! :)
independent available 24/7, I would feel priviledged to help another selfless Warrior of this great nation.