Agreed, reputation is key! 

Remember, reputation matters.

They are a big group and people I spoke with did say they have a great reputation, but the northeast mentality of wanting things done yesterday does not work in every market.

From what I am seeing, the FED will do more as the BTFP has grown over 20% just this month and outlook for certain sectors, manufacturing and agriculture, are not pretty.

You should be able to find a reputable company for less.  

Manufacturing, tech, basically are there new jobs coming? 

Lastly, you can use the find a lender tool up top of BiggerPockets to find reputable lenders. 

With a change in political direction, one that presses repatriation of certain industry sectors such as reshoring manufacturing, that makes a deep recessionary action all the more unlikely to near impossible. 

His primary mortgage was sold to a private lender in the early 2000s and he claims he had to give an explanation each time as to why he financed with a private lender with such poor reputation every time his credit was pulled.

If you mean Manufactured you can go Fannie 3% down either way it still only takes 21-28 days to close a purchase.Feel free to reach out if you have any questions or need more details I enjoy helping and talking REI!