If not, then start with the local lenders in your community. Ask about special loan programs, interest rates, and lender fees. These items can vary greatly, depending on the financial institution. If you are a member of a credit union, talk with loan officers there. Credit unions often have good programs for their members.
Also, you might consider the loan department where you do your banking. They definitely want your business, and they might offer special programs since you are their customer.
Another idea is to speak with businesses that specialize in mortgage loans. Often, they will have websites with interest rates and other information. Mortgage brokers are another great resource. The mortgage broker may represent a number of lenders with different programs, one of which might work for you. And, of course, if you are working with a realtor, ask for several loan officer contacts to interview.
Finally, if you have access to the internet, search on line for mortgage rates, local lenders, and special loan programs.
If you don't have a lender, my advice would be to go under "Find a Pro" and search for a mortgage lender in your area.
If you are working with a real estate agent, they will have great referral's of qualified lender's they've worked with.
Best of luck!
What a great question to ask when your looking for a home. Finding a lender is very important and a great first step towards buying a home. There are many wonderful lenders in Greenville and I would be happy to recommend a couple to you to see which one fits the program you are looking for.
Please let me know if I can help in anyway.
Best wishes and Happy 4th of July!
Kathy gave a great answer - there is a "Find a Pro" feature here where you can search for real estate agents, home inspectors, appraisers, and even mortgage loan officers.
Explore at least 3 options, and preferably at least 1 mortgage broker, 1 mortgage loan officer who works for a bank, and also one that would work at a smaller direct mortgage lender (not a broker, and not a bank, just a mortgage lender who arranges loans and sells them afterwards - usually to the banks)... it wouldn't be a bad idea if you had the time to interview up to 6. That way you can get a feel for how each does business, because not every mortgage broker is the same as another mortgage broker, etc.
You'll want to ask what the pre-approval process entails and how long it takes. Will the underwriter who will be allowing your loan to close be the person reviewing your file as part of that process? Will it just be the loan officer reviewing your information? Will they even ask you for documentation?
You'll also want to ask what types of programs they offer, and once your documentation has been thoroughly examined you'd want to get what options would then apply to you, as well as ask what your loan officer thinks would be the best loan program for your situation.
You'll want to ask what type of fees & costs you could expect to incur along the way (credit report, earnest money deposit, home inspection, appraisal fee, closing costs, etc.), how much those costs are estimated to be, and when they are expected to be paid (at the time the service is performed, at closing, etc).
You'll also want to ask what type of loan terms can they offer you if you were to lock in your interest rate today.
You should also ask when & how they will be available - are you someone who likes to discuss things after the normal work hours on the phone? In person on a Saturday? Through email?
There are more variables to think of, some will be important to you and others will not, however I truly believe that you will have a feeling inside of you of pure comfort when you have found the loan officer who will be the perfect fit. You will leave the conversation having a full understanding of the road ahead and what is expected of you, as well as you'll feel the loan officer has left no stone unturned when going over your situation.