@michael How strong is your condo HOA ? (Budget, reserve, % of rentals). These may effect which lender can approve the loan under favorable terms. If you have a strong HOA, any of the broker, banker or retail lender can help you. If you have a relationship with certain banks (i.e. Chase Private Client) they can give you an additional discount to your loan (and secret is they price match APR’s or beat them if you have a relationship with them). If you don’t have strong HOA go with a portfolio lender like a local bank or credit union. End of the day, find someone reliable you can trust can don’t forget to shop around. When you find someone Lock in your rate (for free) as rates should be up pretty soon.
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