Don't forget your local credit union. I've had associates who have gotten "conforming" rate loans over the conforming amount of $417,000. Why? They are local, portfolio many loans, and have local judgement as to the nature of the transaction. We had a problem recently with a big lender who called a property loan because in the MLS remarks it stated, "Fixer-upper". The loan was $250,000 on a $650,000 purchase!! The agent's buyer went to his credit union and got a BETTER RATE and NO issue with the "Fixer-upper" note.
Ward of Caution: Any of you who HAVE those terms in your remarks section are advised to get them out!! Lenders are hyper-sensitive nowadays. I like to go where the money is but don't overlook your local Credit Union. They are very much like the old "Thrifts" and "Savings and Loans". Kinda like "It's a Wonderful Life" with the old "Building and Loan"! But hey, It IS a wonderful life!!