You want to check through different sources, direct to consumer, through a mortgage broker, and through a bank you have an existing relationship with. It is wor

You want to check through different sources, direct to consumer, through a mortgage broker, and through a bank you have an existing relationship with. It is worth shopping around with the direct to consumer lending, there might be a $10k difference in closing costs for the same rate between the best and worst of 5 lenders. With a broker they will compare 10+ sources typically. For instance Quicken/Rocket will have different rates going direct or going through a broker. If you have a lot of money invested with Chase/BOA they could give you a better rate than you would get elsewhere. The same can be true of a credit union, or you could get a discount even if you do not have a substantial amount of money invested with your bank.