Eelecting the right mortgage professional to get the best deal for you is a very important first step. Here are a few guidelines about what qualities to look for in a mortgage professional:

Experience. A mortgage professional should have at least 2 or 3 years of underwriting/originating experience to be worth considering. He/she should be able to offer suggestions and solutions to challenges that arise during your loan process.

Expertise. The second criterion is whether a mortgage professional has experience with the type of loan you are interested in. If they haven't done your type of loan before, move on.

Rates & Costs. The third criterion is rates and closing costs. Obviously, the rates and costs should be competitive with other brokers you talk to.

Attention. The most important question to ask yourself is, "Does the mortgage professional seem interested in my individual situation, or are they just trying to close a deal?" If he or she doesn't listen to you and try to solve your problem, move on.

Professionalism. A mortgage professional should be professional and courteous about answering your questions and returning your calls or emails.

Confidence & Trust. A mortgage professional should earn your trust through their professionalism, commitment, knowledge, honesty, willingness to discuss your options and ability to offer you the best possible solution.

1: