All Forum Posts by: Summer Li

What @Mike Singer said. If you have a cookie cutter simple single family primary residence purchase with no lending issues on the appraisal report (essentially if you easily fit into their tiny box that is designed for a volume based business), you’ll probably find a deal from a big box online lender. Anything that requires a personal touch is better done with a personal approach. Call a bunch of local brokers - not all have the same access to the various lending programs that are out there 

You can go with a nationwide lender if you want, you just want to make sure they're a real lender.  They do depend on local appraisers to determine property value. 

Big box Online lenders (Rocket, Loan Depot, etc) are a nightmare for anything out of the ordinary. Bite the bullet and go with the local person. A broker should be able to beat anything the online retailers are offering right now. Maybe try a local mortgage broker.