I used Tim Smith at West Star Mortgage (www.weststarmortgage.com). (703)-497-3977. He was great. We submitted an inquiry on Lending Tree and he was the first to get back to us. We didn’t have the benefit of a realtor and Tim really made the whole process quite smooth and, in my opinion, went above and beyond what a lender should do in terms of helping us out with the actual buying process and dealing with the seller’s realtor. I second the comment above about the fees – that is where the real differences come in in terms of closing costs, etc. Many lenders will give you a credit, but you can also ask for money back, or for the seller to pay closing costs. Tim took the time to help us understand all of our options and figure out what worked best, and was the most cost effective choice, for us. Our mortgage did get sold shortly thereafter, but that is pretty common with smaller lenders and we haven’t had any issues in that regard.