I have not. However, definitely shop around and compare rates and fees. Typically, I have found using a local lender is a huge benefit for a mortgage instead of doing all the paperwork via overnight mail and online with a lender that doesn't have local contacts/knowledge.
The best thing is to shop around for the best loan. It can end up saving you a lot of money. You should check us out at http://www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with some options