Different lenders (small and large alike) both offer various incentives with programs that they have access to. My advice is to find someone you TRUST, that you enjoy working with, and remember: the most inexpensive option is not necessarily always the best option for you. The age-old saying sometimes holds true: You get what you pay for.
-Amy S. Arey, Realtor
Halo Group Realty, LLC
Watters Creek | Allen
i.e. BBVA Compass has a great deal for Dr, especially first time home buyers that no one else offers.
Nathan P. Neely
Broker and Owner
Neely Real Estate Group
Normally I see that it is a worse deal if you go through a private investor.
There are all kinds of scams to beware of there.
Often they don't own the property, want a higher interest rate, want you to pay fees, the seller would normally pay etc. They tend to prey on unsophisticated or unknowledgable buyers who don't know better.
Brokers will often save you time, money, and a lot of headaches.