The selection is nearly as important is buying the home right for over many years, a little difference in rates and terms can make a big difference. First of all, we think you should have options here, too, competitive alternatives from which to choose the best for you.

 Any that we might recommend as options will have met our tests of service and costs. First, they are willing to interview you even on the phone for general qualifications and price targets, without costs and without obligation to them. And they are skilled in matching your needs with the best montage product, whether it's conventional, VA, FHA, or something exotic. Finally, their rates will be very competitive, without junk fees and funny stuff.

 They can supply good faith estimates of closing costs and monthly payments. We can supply sample closing statements appropriate for your price and type of loan. Together they can compare their services to others that you might have had contact with.

 We also recommend that you start this process early, on a parallel track with home hunting, or even before. First it will help define the price window for you and us, avoiding searching above or below your comfort zone. Secondly, it will strengthen our hand with sellers when we start negotiating for your interests.