My advice would be to find a GOOD broker. Local real estate agents may have one to recommend.
Be careful about applying too many places. I got my FICO score, called other lenders and shopped rates to see if I could beat his quote and I couldn't.
Be sure to get a good faith on the closing costs as they could be more important than the rate. The internet company I contacted had closing costs that were more than double that of the broker's loan.
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