When you work with experienced loan officers the process is painless. Loan companies often fail to disclose all costs. Ask these loan officers to compare the products they have to any you find on line.

Pacor Mortgage has  sold loans to more than 70 different lenders.  They are always looking for lenders that have exceptional values for their clients.
Larry can find a loan that will work for you at a rate that is competitive and you can rely on him to deliver  exceptional service.

PHH Home Loans is affiliated with Coldwell Banker one of the largest in the US.
Greg and his team have been working with the agents in our office for several years. Some buyers find their own lender and when they find they can not get the loan they expected  Greg has been able to save the day and get the loan done.  
Check with them before you apply. You will be glad you did. And if you ever want to refinance call them then as well.