Hi - has anyone used services of Butler mortgage or Intelli mortgage? Shopping around for mortgage. They are offering lowest rates, way below Big 5. So, giving it a serious thought.

Thanks!

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Almost always go with a credit union

likesmart

This 🙌🏻 but also noticed some banks are able to compete with credit unions for specific things

There are literally thousands of lenders and the market is very competitive. Most have significant incentives, e.g. closing concession, cash towards down, etc. When I was looking in Austin I used my Realtor's referred lender and it was the lowest rate available + $3500 towards closing costs. When I realized Austin housing prices are over inflated, I'm now building a new home in Nashville. I looked at both my Realtor's preferred lender and also the builder's, both local lenders. Both had the same rate but the builder's lender included $10,000 towards closing, so I went with that one.

If you are a Costco member check there, lender fees only $250 for exec member. They give a number of banks and credit unions to choose from.

The mortgage originator doesn't matter very much. It's all going to be packaged and sold to other investors anyway.

Also, don't just look at the rate, look at the total fee structure and APR. A lot of lenders know how to hide fees pretty well.

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