Asked by Jonathan  |  Submitted October 22, 2015

Which is a better place to start shopping for a mortgage, a credit union or a large online bank?

I am a member of both, but should I consider looking elsewhere? Live in a small rural community but close enough to larger cities to have much variety available close to home. Middle income.

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  Answers  |  2

October 23, 2015

Between those two I would go with the Credit Union. Unless there is a direct lending company that can give you better rates with less fees. But make sure they have a good reputation either way.

$commenter.renderDisplayableName() | 05.23.17 @ 09:09

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October 27, 2015

If you have an established relationship with a credit union, it never hurts to ask there. For a second opinion, you can always look at loan officers from this site who lend nationally (I do, and many others do).. While programs can vary, the biggest things a loan officer provides is his expertise, work ethic, and attention to detail. Programs, rates, and costs don't matter much if your loan doesn't close as planned due to an organizations' (or individual's) inattention to details.

$commenter.renderDisplayableName() | 05.23.17 @ 09:09

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