Ok. You want to know the real secret to finding the best loan. Here it is. Figure out what rate you really want/need to have. One that provides you the payment or savings that you want. Then call a couple of direct lenders and ask for a quote at that rate and if THAT CAN BE LOCKED and when. Then compare those quotes directly. Here is where most people miss it. Rather than worrying about processing fees, underwriting fees, closing fee, title, points, etc. simply require a detailed good faith estimate that includes third party fees. Then simply add ALL the fees together and determine which fees are lower for the same rate. Obviously the lower the fees the better the loan. Then make sure the lender offers a best price mortgage guarantee and lock policy to make sure they do not "pull the carpet out from under you at closing". If they can't meet these requirements, run!
How do I know this, because my company offers all these services for free.
http://www.myhomesecure.com/
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