Zillow Advice: Mortgage - How do I know if a lender is reliable? http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ Zillow Advice | Zillow Real Estate You definitely want to check ... http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ You definitely want to check references from other real estate agents. In today's real estate market, you want to work with an experienced, service focused loan officer who fully discloses all fees and charges as well as their underwriting timeline. Wed, 04 Apr 2012 23:18:00 GMT http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ 2012-04-04T23:18:00Z This is a good example of ... http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ This is a good example of the importance of being referred to a loan officer by friends, co workers, etc that have had a successful loan experience. It should help alleviate concerns you mentioned, that is always present if you are dealing with no history of person/business. You could ask for references but unfortunately it seems it would not be from anyone you know.&nbsp; You need to do what makes you feel totally comfortable and confident, as the home buying process and loan process are equally important. Wed, 04 Apr 2012 04:00:00 GMT http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ 2012-04-04T04:00:00Z Ask for referrals of agents ... http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ Ask for referrals of agents that use them.&nbsp;&nbsp;&nbsp;An agent is only going to continue to use Lenders that can get the job done and without taking advance of the client.&nbsp;<br/>The fees have to be disclosed in&nbsp;the Good Faith Estimate -&nbsp;always consider closing to cost you about 3% of the loan amount.&nbsp;&nbsp; Depending on loan amounts.&nbsp;&nbsp;&nbsp; Tue, 03 Apr 2012 19:16:00 GMT http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ 2012-04-03T19:16:00Z Shapiro's advice is sound.&nbsp;&nbsp; ... http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ Shapiro's advice is sound.&nbsp;&nbsp; You might also ask them for a reference list-client's they've done right by.&nbsp;&nbsp; If it's your dad's friend I would think that would be a pretty good sign.&nbsp;&nbsp; Tue, 03 Apr 2012 18:45:00 GMT http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ 2012-04-03T18:45:00Z What state are you in? I ... http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ What state are you in? <br/>I think dealing with a company face to face is a good thing. Especially if they get their business by "word of mouth".&nbsp; <br/>Check with your state's regulator over mortgage lending and brokering. See if there are any complaints on record.&nbsp; Check with the sec of your state and see how long they have been in business. also check with the NMLS. Tue, 03 Apr 2012 14:43:00 GMT http://www.zillow.com/advice-thread/How-do-I-know-if-a-lender-is-reliable/437641/ 2012-04-03T14:43:00Z