Thanks for your great question Blanca!
I don't pretend to be an expert on loans as from my experience they change constantly. Perhaps a better question to consider is how many lenders have you interviewed? Here is what I tell all my buyer clients when they ask about loans:
Buying a house with a loan is actually two purchases. You are purchasing a loan and you are purchasing a home. I suggest you shop your loan with several lenders and let them know they are competing for your business. That will often have the effect of lowering the cost of the fees and charges that accompany your loan.
Always ask if for a "good faith estimate" or what is more commonly called a worksheet. The industry has had a difficult time standardizing these forms, but they have made some progress. A worksheet shows the lender's best estimate of the cost of your home loan. Be sure to ask them how many months of taxes these estimates include and whether they are including an impound or not.
A lender may have deep pockets and be able to finance your loan in-house, or they may be dealing directly with investors. This is important to know as some home sellers prefer to entertain offers from specific lenders. They cannot require this but in today's competitive home buying market, they can favor an offer from someone using a lender they are confident can close a sale.
Here at Movewest Realty, we provide our clients (and new agents) with a wide choice of lenders and work hard to hook you up with trusted professionals who can do a good job for you and find the loan that best fits your needs.
To summarize, find a small group of experienced, capable lenders and interview them. Compare their products not only for cost, but for how the loans "fit you" and your home buying needs. Once you have found someone you trust and who has the best loan, get pre-qualified for an amount you can be confident is available to you for your home purchase.
When you are pre-qualified and happy with your loan, then find an agent you trust, who is experienced and has a clear vision of your needs and the services they can provide you to meet your needs. Just as before, make a list of questions and interview several agents. Not every shoe fits every foot and homes are not cheap, so take your time and do a good job. Then trust your agent to provide you the expertise you will need to compete in todays market.
Then go find your dream home!
Hope this helps Blanca