Three referrals that are current is best.

I would also ask your friends who have recently bought or refinanced? Don't get just one number!

You can look in the yellow pages under mortgages. I would find about three offices close to my home. Then I would use these savings secrets on all three until I got the best deal?

If you can't get three referrals you are going to have to depend on luck. It's hard to sniff out incompent mortage companies until they actually start doing your loan. Then it's usually easier to stick with them than trying to change. The company know that. That's one reason the don't change much to make less mistakes. It costs them the referral but most companies don't look that far ahead. Were not talking about a lot of genius in this business.

Most states require do not require any test or requirements for loan officers. It could be his or hers first day and they are doing your loan. Not very many companies have a training program.