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If you have good credit then I've found that it's better to get a mortgage loan from a bank. Mortgage bankers and mortgage brokers are great if your credit isn't wonderful since they have many different programs to choose from. Banks are usually more conservative with their lending policies but they tend to have less fees and their rates are competitive.
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A real estate cpmpany does not do loans directly and only refer you to a lender. They sometimes get incentives to pick one company over another. I would start with the bank and then compare it with other lenders. In my case Chase offered the same rate of 4.5% but had about $900 less in fees. |
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