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I would stay away from online companies...that's not to say stay away from someone that has online capabilities - there's a distinction.
I recommend you ask any real estate agent - chances are the name you get will be familiar with the area you wish to buy in and they are use to the typical hours of Real Estate Agents work. You can get the best rate in the world, but if you can't reach them when you need them after hours (and that is when most contracts are written), they aren't going to be much good to you.
Finding the best rate is like chasing your tail....it's human nature to want the best, but there are reasons why some places offer lower rates than others. One bank in particular is lower, but they are forever missing closing dates. Not a real good deal, is it? Chances are, whoever you choose, will have a competitive rate. Business isn't so good that someone is able to charge a whole lot more these days.
I hear this a lot but I don't understand why a credit union is better than, say, Bank of America??
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