I was willing to pay for services rendered but little else in North Edison. I contacted another highly recommended lender from Zillow, My credit union (I pay fees), Costco (I pay exec membership fee) and Anthony Muscarella. Over 45 days I checked daily with each one as I wanted the lowest costs. I really thought the wholesaler would come on top. One thing which Anthony did (to his credit) was to tell me early on that only the rate and bank fees mattered. I was looking for a lender who would actually help me. And that clarified. Others weaved in and out with other fees and terms. Towards the end, on comparing notes and checking daily the 10 year treasury rate with the lenders still responding - I chose Anthony. Anthony is Internet savvy, responds to emails and answers the phone. His knowledge on taxes helps. His office staff is helpful.