Before you contact anyone for a mortgage loan, take a look at this link: http://www.hud.gov/buying/booklet.pdf.
Here is a brief description taken directly from this site:
"Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgageâ€”
whether itâ€™s a home purchase, a refinancing, or a home equity loanâ€”is a product, just like a car, so the price and terms may be negotiable. Youâ€™ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars."
Bottom line ... you need to have a reputable lender that you can trust working on your side.
I hope you find this information valuable. Best of luck!
Total Mortgage Services