Choosing the right lender for refinancing can save money on fees and interest. Options include banks, credit unions, finance companies, and online lenders. Loan officers and mortgage brokers differ in roles and compensation, so research is key. Compare loan terms, interest rates, fees, and services using disclosures like TILA and closing documents. Good service and timely communication are crucial. Online tools simplify lender comparison, helping find the best fit for your financial needs.