The biggest headache that we face in representing our clients is dealing with poor or simply lackluster lenders. Unfortunately, these are usually bank mortgage lenders who are either limited by the banks process or just fail to understand the importance of communication with all parties from the start. We have had deals fall apart at the very last minute because of a Lender dropping the ball and the ONLY way we can prevent it is to urge you strongly to pick well.
If you are tempted to use the same bank that holds your checking or savings just because they offer you an incentive, please think again. Research some Lenders that have strong recommendations and reviews online and do not pick on interest rate alone. Have them do an estimate of costs for you and look closely at the rate you will pay when all is said and done. Be sure you are comparing apples to apples and check for rotten apples in the mix!