How to Choose a Mortgage Lender (2026)

Choosing a mortgage lender involves more than finding the lowest rate; consider loan types, fees, communication, and closing reliability. Compare lenders like banks, credit unions, brokers, and online lenders. Confirm who will service the loan and understand all mortgage options, including conventional, FHA, VA, USDA, jumbo, and refinance loans. Get prequalified, ask detailed questions about costs and terms, and compare written offers before committing.