Find an agent you like working with. the agents below are all good. In regards to james answer "Letters that come from established lenders like a Bank or Credit Union are stronger than letters from..." I have to respectfully disagree. I just left a very large bank a few months ago and their letter were useless to any agent that knew better. As long as your lender was referred by an agent you should be ok with that end. Big banks and credit unions usually are slower with strickter guidlines. And higher fees per same given rate. Thats just in general. Wells and Kern Schools do better than the others if you are going for large lenders.