Originally Posted by sinthetiq

i'd shop for quotes with BOTH brokers and lenders.

compare each of their GFE's and then work from there to get pre-approval, funding, etc.

i wouldn't completely disregard brokers, and i definitely would not put all my faith solely in lenders either..

READ the paperwork thoroughly before you sign.

remember: brokers are required to disclose the YSP, whereas lenders are NOT. brokers shop the wholesale market, so they may have access to more loan programs that an individual lender may offer .. just shop around, dont rush into it and dont agree to something just because of the "monthly" amount