If is best to compare APR's and financing scenarios based on your personal finances and what is important to you. If you get a terrific rate,but have to bring more to the closing than you have in the bank, that obviously won't work. If you pay a higher interest rate with one lender than you would with another, but they are giving you a lender credit or are helping you get a 4 to 1 matching grant for your down payment, then they are probably best. We recommend different lenders for different clients based on their specific needs, . If you have a full time agent with a Masters degree in Planning with Finance and over two decades of experience, working for you, you will likely do better in negotiations. If you appreciate this answer, please give it a thumbs up, or if this was the most helpful answer, please say thanks with a best answer click.