A mortgage may be one of the single most important pieces of the puzzle.  Not getting it right the first time could end up costing you thousands…. tens of thousands and in some cases hundreds of thousands of dollars. Choosing a mortgage type, a mortgage company and a mortgage officer (loan rep) is critical while simultaneously finding just the right home.  It is certianly a challenge. Although the choice to use who you want is always up to you we have vetted lenders and reps for over 25 years and here are a few we recommend you at very least speak with prior to committing to anyone.