Choosing a Lender

Based on experience, my advise for obtaining a loan would be "do not go directly to a bank or lending institution".  My own personal experience with clients going directly to a bank/lender was "overwhelmingly" frustrating.  I have heard from other realtors that whatever bank it is, the result is the same (disaster).  My advise would be to find a reputable loan representative, if they direct you to a bank for some reason, at least you have an additional line of communication.  You should not be paying anymore for a loan through a loan representative, and you will have one contact instead of several that do not talk to each other.  Loan representatives should be up-to-date on all available loan types and rates currently available.