Do yourself a HUGE favor and work with someone local who you can sit across the desk from. Work with a mortgage person who is with a reputable company and who has standing in the community. Find someone who will ANSWER THE PHONE every time you call AND will recognize you to say hey to you in the grocery store. That someone will care about you and your purchase. That person will go to the mat for you, this time, and the next time, and the next time...This transaction is way too important to trust to a faceless entity. Good luck.