best to go with a mortgage broker - they can get you better rates because of the volume.
also best to get a pre-approval from your bank and use that to shop around; doing so you can tell the other guys what you are 'pre approved' for so they dont have to do a credit check.
TIP: You should really use google and learn the basics. From this thread and your previous "should I sell my bonds" thread you don't seem to be very versed in personal finance. The key to not being ripped off is to make it seem as if you know what you are talking about even if it's knowledge acquired through google/reading websites. It's good to ask questions on a forum, but if you ask noob questions you will get noob answers. just my thoughts - feel free to disagree.
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