Originally Posted by FRCDFED
I tend to use a mortgage broker vs. a bank. The broker will attempt to find the best rate offered by several banks and lenders. Some companies will pay your lending fees if you have excellent credit.
This is what we did with our house purchase. He found a bank that was running a 30 day special to pay the closing costs of the loan. All we had to do was lock in the loan within 30 days and have good credit. Saved us thousands of $'s.