You're best off working with a mortgage broker. They're like a travel agent in that you don't have to pay them for their services, they get paid by the banks and they do all the shopping around for you and are such a wealth of information. My neighbor is a mortgage broker and my entire family has used her and FH and I plan to when our time comes. Let me know if you want her info!
We used Bethpage Credit Union for Pre approval and for the mortgage. Make sure you read all the fine print about locking in rates and such. As well as additional fees they all add up. For us the Credit Unions all had the best rates when all was said and done. Banks like Chase require you to buy 'points' if you are putting less then 20% down so you have to add up all those additional fees to see who works best.
Thanks so much girls
