First thing I would suggest is contacting your local bank. Then ask your realtor if they can refer someone to you. It is very important to find an experienced mortgage consultant. Take your time, and work with whoever you fell most comfortable with.
Best of Luck,
Then make an appointment to meet with them. Bring in your 1040's, W'2s, bank statements,
Ask them to provide a Fannie Mae approval, good faith estimate, and truth in lending.
Then you can check with your bank to make sure you are getting a good deal.
Mortgage bankers can access many different loan programs from several different banks. In this market this is very important. If a bank eliminates a program or raises rates on a program your are stuck.
With a mortgage banker, they can simply send your file to another one of their lenders. Usually, there is no charge or additional processing required.
If you have good credit and have used your bank for some time, they may be able to give you a great loan. Many times using your own bank can save you money. Always interview a few people before you make your decision.
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