Some buyers call various lending institutions to check on rates and generally go with the lender with the lowest rates. However, it is strongly recommend that you go with a lender who has been referred to you either by your Realtor or by someone who has actually gone through the entire loan process with that lending institution and loan officer.  Though most lenders offer the same basic loan programs, some may offer special products or incentives to borrow from them.. For example, some lenders specialize in low down payment loans, some specialize in loans for people with marginal credit, some specialize in loans for self-employed borrowers, etc. Your Realtor will know how to steer you in the right direction.

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