As agents we love it when our clients take our advice on service providers. I can tell you horror stories about what can happen when you go with untested, new, or gimmick-y mortgage brokers. My personal recommendation is to skip the big box banks. Big banks are just fine for servicing your loan, and many of the companies below will eventually sell your loan to a bank – but for originating a loan, it is uber-helpful to use someone local. Someone who understands local customs. Someone who has a relationship with their underwriters and doesn’t just ship your application off to call center in North Carolina.
There are lots of fabulous loan providers out there. Here is a list of individuals we have worked with in the past that offer great terms, and great customer service.
In no particular order:
P.S. – I highly recommend chatting with a mortgage broker in earnest before beginning your home search. Don’t spin your wheels unnecessarily. Start from a place of confidence armed with information and a pre-approval letter in hand. You’ll come to negotiations with an edge over other buyers. Your position of strength will make the process easier for everyone involved – including the seller and their agent. It’s the smart thing to do.