Choosing a Mortgage Lender

Observe the way the lender responds to you when you first contact him or her
Are they prompt to respond to your initial contact? Are they friendly and courteous? Do they honor their quote that you saw online or in an offline ad? Are they willing to explain things to you or educate you about different choices? Do they proactively discuss the timeline of the loan (estimated closing date, when to lock the rate)? Do they discuss when/how rates will change?

Check out the lender’s reviews
Search online for lender reviews. Lender reviews can be an incredibly useful tool to help consumers choose a lender to work with because the experiences others have had with a particular lender are good indicators of subsequent experiences with the same lender.