These days it’s a necessity that you consult with a mortgage broker in earnest before beginning your home search. It’s the smart thing to do. An offer that isn’t accompanied by a pre-approval letter and almost always a rejected offer.

 


 

The experience is always better at your favorite restaurant or the neighborhood market you regularly frequent. They give you that special level of service. It’s no different when choosing a mortgage loan provider. We can tell you horror stories about what can happen when you go with untested, new, or gimmicky mortgage shops.

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 most importantly, great customer service.

 

Want to miss your closing date? Go with a big bank.

You’ll notice that there aren’t any big banks or online lenders on this list. Big banks are just fine for servicing your loan (and many of the companies above will eventually sell your loan to a bank), but for originating a mortgage, it is super-helpful to use someone local – with an office door that we can knock on if trouble arises. You want someone who understands local customs, and someone who has an actual relationship with their underwriters as well as the local closing attornies. Most importantly, it’s impossible to have accountability for the all-important closing deadlines when you only have a 1-800-number as a contact. Online is handy, but local is just better.