There are many legitimate lenders to work with. Much depends on your situation and assets.
You may find it beneficial to contact lenders who have a history of investing in the community through small business loans and home mortgages and do not prey upon the resources of others.
Credit Unions, you will find, have EXTREMELY low closing costs and almost non-existent origination fees.
Another great resource is to contact a lender graded "A" or "B" indicating a sustained history of community investing. Bank of America, Citi, Chase and Wells Fargo, you will see are "F" rated for obvious reasons. Simpy enter your city or zip on the following site:
Best of success to you,
Annette Lawrence, Broker/Associate
Remax Realtec Group, Palm Harbor FL