Tips for finding a lender?

[Clark Kahawaii]

Hope every one is having a Happy Holiday Season! I am a new REI in the North Dallas area. I've been researching and learning for the past few months but it's finally time for me to make the leap and buy my first property. I'm currently working with a realtor looking for specifically MFR's to house hack with. I will most likely use a conventional loan, but may also use an FHA loan. After doing my research, it seems that the most popular opinion for lenders for a first time REI is a local bank, smaller credit union, or a mortgage lender. (If I'm wrong on this, please tell me why) I've learned that it's most fortuitous to develop a strong relationship with a lender that you can rely on for future business rather than focusing on the lowest rate every time.

Hopefully these questions don't give away my lack of experience too much but I'm sure the BP community can answer these. 

When calling a bank to talk to a potential lender, what title should be asked for? Loan officer? Loan originator? What abilities do I look for in a lender? How should I realistically expect him/her to help me compared to the competition? 

What is the best way to negotiate terms with a lender? I feel like the strongest asset I have to offer them is future business. Is there more I can emphasize?

What terms should I actually negotiate other than interest rate and down payment?

Can different lenders close in shorter times?

Lastly,

What other questions have you all asked that you thought were imperative in finding a reliable lender?

Thank you everyone!

If you are in the DFW area and have a strong relationship with a lender that you would like to recommend, I would love to know about them too. Feel free to send me a PM!