When getting your mortgage, it's always good to shop around, just like with any other thing you buy.  Rates fluctuate day to day, so it is very important when comparing to do it at the same time.  If you are looking at 2 mortgage companies, call them both at the same time and get their rates plus their fees associated with the loan.  The fees that are charged are equally as important as the rate you are getting.  You may get an 1/8th % lower rate from one lender but then get charged a couple of thousand dollars in fees.  So are you really saving money?  If you want someone reliable, contact me and I can point you in the right direction to companies that are reliable, trustworthy, and very good at what they do.