Edit: I know this topic belongs more in the housing category, but we have a short window of time and I want the most eyes to see this. I can ask a mod for this to be moved later.
We have an accepted offer on a house, and inspection went well. We had been working with our realtor's preferred mortgage broker for our pre-approval letters when making offers (we got other pre-approvals, but just used his letters for any offers we made), but we wanted to compare his actual mortgage offer with a few others. We checked with our credit union, a local bank, and a big national bank, so now we have four mortgage offers to compare. Assuming all have the same interest rate for us, how do we decide?
Our realtor prefers her guy, obviously, because he works commission and "works until the job is done," but I have never read about that being important anywhere else. We close on April 11, so some places won't even let us lock in our interest rate until we are within that window.
Our credit union appears to offer the lowest closing costs. Title fee estimates are annoying/confusing and we've been told they'll be within a couple hundred dollars wherever we go for the mortgage. But their overall closing costs appear to be the lowest. I am clarifying that and hoping to make a decision either tomorrow or Monday.
Let me know what other information would be helpful to have, and if needed, I can PM additional details.