The experience is always better at your favorite restaurant or the market you frequent regularly. They give you that extra special level of service. It’s no different when choosing a mortgage loan provider. As agents we love it when our clients take our advice on service providers. I can tell you horror stories about what can happen when you go with untested, new, or gimmicky mortgage brokers.
My personal recommendation is to skip the big box banks like Wells Fargo and Bank of America. Big banks are just fine for servicing your loan (and many of the companies below will eventually sell your loan to a bank), but for originating a loan, it is super-helpful to use someone local. Someone who understands local customs, and someone who has a relationship with their underwriters. Most importantly, it’s hard to have accountability for the all-important closing deadline when you only have an 800-number as a contact.
There are lots of fabulous loan providers out there. Here is a list of individuals we have worked with in the past that offer great terms, and great customer service.
In no particular order:
Mary Littleton Accurate Mortgage
Mark Neely CMG Financial
Pete Zaft Mortgage Investors Group
Alene Gynp Bank of Nashville/Synovus
Laurel McKenzie Pinnacle Financial
Brian McGuinness Franklin-American