There are some nearby communities which are gated. Specifically, in Lower Macungie. What exactly are you looking for? I grew up in Emmaus and currently reside in L. Macungie. Feel free to visit my web site or contact me for further info.... more
We in the mortgage industry of course like to tout our superior customer service, but make no mistake about it rate is always going to be a very important factor in most borrowers' decision making.
Bandjrey, there is no way to guarantee you get the best rate out there because honestly there are just too many lenders out there that by the time you check with all of them (or even some of them) the rates have changed and your information could be inaccurate.
It's most important to a) select a lender who can deliver all the things they promise you - rate, payment, closing date, $$ out of pocket at closing; and b) select a lender who is going to give you a fair deal relative to the market.
After all, someone could offer you a 2% interest rate with no fees but if at the end of the day that is not close to what you get then what good does it do you? The streets are littered with the bones of borrowers who made rate their only criteria in selecting a loan and they wound up getting screwed. I'm sure you wouldn't have trouble finding a friend who had a "nightmare" mortgage experience. And most of them start out the same way...rate shopping.
Do yourself a favor: disregard the rates you see on the internet (it's mostly misleading or out of date anyway) and get a handful of referrals from family, friends, or your agent and take the time to talk to 3 or 4 of them in depth to see what you qualify for and what they can offer you. I'm talking about reputable lenders with a local presence. Odds are you'll find comparable loan terms from one lender to the next, but you'll also find who you are most comfortable dealing with and this can help make sure you get the best deal as opposed to the best rate. Heck it may even be the best rate too.