I need to get pre-approved, but I’m unsure of where to start. I have my finances in order, and am ready to have someone try to approve me. Based on your experiences or knowledge who can give the best rates, and who is most likely to approve me?
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Most of the aforementioned companies all sell your loan in the same market, to wholesale mortgage lenders. Consequently, the rates, terms and costs don’t vary by all that much. Which is why you should check out all 3. Get the offer in writing, along with all closing costs, then compare. Once you narrow it down, ask how long it will take to get pre-approved and if there are any upfront fees like application fees, etc. You can usually find a lender who will offer a free pre-approval. Once you have your pre-approval, you are ready to find your new home.
If you are a member of a credit union, this would be ideal because of the rates and service you’ll get. Then the banks and unless you really can’t wait to buy, the mortgage company (who will shop your credit information to the very same banks you can probably get a better rate with if you went on your own.)