Halley, After reading your responsed I believe Jose gave you some excellent advice. As a Mortgage Broker myself I see all to often people just look at the bottom line and assume they are the cheapest that is the best way. In the State of Florida a Good Faith Estimate (GFE) Can be off as much as 1% and still be legal. Home prices being what they are this equal's a lot of money that they can be off and still just tell you "oops after all it was just an estimate" This does include banks as well. I would ask the following questions from your Mortgage Person
Are they Licensed?
How Long have the been doing Home Mortgages?
If a Bank. Do they have the ability to broker your file? (incase they cannot approve you at their bank)
Google them.. This is an amazing tool on the internet. See what others have to say about them.
As I stated from the begining I agree with Jose go with your gut.... more
I have had the opportunity to work with many lenders, some better than others. However, I have yet to find a better one than Coldwell banker Home Loans. They do charge any lender fees whatsoever, and will match ot beat any competitors legitimate offer. Here's a link to a lending specialist that works directly out of my office in Miami Lakes.