"Reliability" is a very subjective term. The company may be very reliable. The loan rep . . . hmmm . . . not so much.
Similarly, real estate has "name brand" brokerages, but an agent in that name brand brokerage might be LOUSY!!
As a licensed real estate agent, I'm not comfortable with talking about rates, loans, etc. This is an area that is outside the scope of my license. I can sell houses, and I do! And while I know "of" the loan process, and can give general advice, your best bet is to contact a lender that comes with a high reference -- from a reliable source.
A good loan rep will be able to compare "apples" to "apples" and see if you are, in fact, getting very low interest rates, that there are no hidden fees, back-end mark ups, etc.
I recommend contacting either:
Will R. Williams Jr, Mortgage Consultant
Wells Fargo Home Mortgage
14795 SW Murray Scholls Drive Suite 108
Beaverton, OR 97007
503.590.3938 x 1004 Tel
(866)839-8072 E -Fax
Nevin Willams, Loan Broker
First Priority Finance
Hope that helps . . .
Carla Muss-Jacobs, Broker/Owner
EBA Portland, LLC
Exclusive Buyers' Agent
Assisting Buyers in Metro Portland since 1999