You should use the internet to research your mortgage such as rates, closing costs, what type of service or who locally to use. But nothing beat smeeting face to face with a local and trusted loan officer. one you can see, talk to and give your financials to in person. You know where they are, when they work and when they dont. The customer service can be a million times better if things go wrong having a real person to talk to and help.
Please see my blog with tips and advice on getting a mortgage