It is important to shop around for the right lender. In addition to asking the lender about their fees and interest rates, you should assess the responsiveness of the lender. We always recommend going with the most responsive person you can find rather than the cheapest. Slow and unresponsive lenders can wreak havoc on closings and delay your closing by weeks at a time. Generally, small banks and mortgage brokers provide greater levels of service than larger institutions but often charge higher interest rates. Your realtor and our firm can make referrals to people we have worked with in the past and have liked.