Seek referrals from family or your realtor and check online reviews for reputation and customer service.
Know your credit score and debt-to-income (DTI) ratio. Most lenders require a score of at least 620, while 740+ often secures the best rates. how to choose a lender when buying a home
When evaluating offers, focus on the , which reflects the total cost of the loan including interest, points, and fees, rather than just the base interest rate. Seek referrals from family or your realtor and
Decide if you need a conventional, FHA, VA, USDA, or Jumbo loan. Not all lenders offer every program. focus on the