Try to get referrals for 3 lenders and talk to each and see who you like best. And you may want to get a quote from each lender. Ask for an "Initial Fees Worksheet". This breaks the costs out as clearly as possible. The Good Faith Estimate is a very confusing document. And remember, a quote is only good for that date. Interest rates go up and down sometimes 3 times a day. So a quote one day could be different from the next. Also, if your loan has any challenging characteristics, I highly recommend having the lender you choose submit your loan for a FULL underwriting approval BEFORE you start making offers. This can help to eliminate any 11th hour issues.