There is no right answer to your question. The big thing in finding a mortgage is to find someone who will take the time to explain all available options. Don't be afraid to ask your questions either. You may contact me directly if you have questions you wish to bounce off someone.
I was one of the agents who answered your other post and now I would still advise you to speak to both a mortgage company and a bank and weigh your options. There is no obligation to speak to them about qualifying for different loans/rates, etc. Find out all your options and different loan programs available to you and that you qualify for. Honestly and then go with whichever one is the best for your situation. Keep in mind that this will not be your primary residence so the interest rates may also be different because it will be considered investment property.
I can give you the name of PNJP's in-house loan officer and also some others if you are interested - send me an email - GinaChirico@PruNewJersey.com ...no strings attached.
Gina Chirico, Sales Associate
Prudential New Jersey Properties
973-239-7700 ext 132