Hi, I have a lot of people that I work with in that way. For that matter, I visit Toledo often too. So, depending on who you're working with, they may be more local than you think.. obviously, that's not always that case. A mortgage, buying a home, that's one of the most important decisions you'll make in your life. Do what is comfortable with you. If you don't get that warm fuzzy feeling about them or their customer service, then it's probably not a good choice. If you prefer the face to face interaction but like and know how to use technology, ask them to Skype. If you want to rub elbows with someone, then walk in to a local office and ask to speak with someone. It's more about what makes you comfortable.. just my two cents.. oh, you can always check the Better Business Bureau and/or do basic searches on the loan officer or the company too. Just remember that I'd say most people are reluctant or too busy to make nice comments about people yet they are quick to pass/post bad comments. Best wishes, Kim Lawson, Ohio Licensed Mortgage Loan Originator. Contact and licensing information can be found on my profile.