Stephan, it that is truly your goal (best deal) the resonse is really very, very easy.
Hands down, the lowest cost morgage provider is ANY credit union. Their membership requirements are so broad...anyone can find a credit union.
What you didn't tell us is if any other parameters are involved such as 580 credit score, jumbo loan, non-W2 based income, or seeking a $50,000 mortgage.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
Move to the FRONT OF THE LINE (http://FirstLookHomes.us