OT - mortgage ?? what's better ??, banker, broker, bank, credit union Options

[machina]

says it in the title,

refinancing but does it matter if you go with a mortgage banker, broker, bank, savings and loan, credit union?

any advice?

[dakotaewing]

Depending on the size of your mortgage, some lenders will not do a loan without an origination fee, or if you insist, most likely your rate will be higher. The smaller the loan amount, the more likely this will be the case. What type of loan, LTV, and income documentation could also effect where you will get your best deal...

Find out what your FICO scores are, and get quotes based on that... But make sure the scores you get are from a tri-merge credit report for mortgages... Credit scores that car dealers pull for auto's are scored differently, and can be quite a bit different...
Don't give your SS# to everybody you talk to - That's how they will pull your credit-

I am a mortgage banker, employed by a mortgage lending institution - Not a bank -
And like the other folks on this board have mentioned - This is not a solication (IMG:http://www.914world.com/bbs2/html/emoticons/wink.gif)

Thom