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There are innumerable options available for purchasers and those interested in refinancing their current loans. Because of the tremendous difference of the cost of closing from one state to the next, we recommend having a conversation with a reputable lender in the state you plan to purchase a property. There certainly could be national lending companies that are fully capable of closing a loan in your state, but regardless of their ability to provide financing for you, a loan officer who has little or no direct experience in your state would certainly have greater difficulty providing accurate estimates of your costs to close. Why is this important? First of all, no one likes to hear one set of figures from a lender upon application only to learn closing is going to cost them more while their sitting at the closing table. Secondly, in many states certain closing costs can be included within the body of a transaction so those costs are covered within the final loan amount rather than directly out of the borrower's bank account. Having inaccurate numbers upon writing a contract might just mean that some of your own savings will be depleted to cover that inaccuracy. Another thing to consider when selecting your loan provider is that while there are certainly many companies that are likely totally capable of closing your loan efficiently and in a timely manner, you're dealing with an individual human being. One loan officer may be substantially more experienced than another even within the same mortgage company. Ask your Realtor for guidance to help you spot "red flags" that may indicate the loan officer you're relying on may not be providing the level of service that you may wish. Your Realtor may have a suggestion of a loan officer/company that has performed well for past clients of theirs. Your friends, family, coworkers, etc. can also be valuable resources to help you find a loan officer that will treat you fairly and professionally. The provider list below is only for reference and does not in any way indicate our recommendation or even past experience with these providers. You can also Google "city mortgage loans" to find financing companies in your local community. Check all sites for signs they are truly a local (local address, local area code in phone number, etc.), as national providers can also come up in local search results. Good luck and please feel free to call us for questions. Mortgage Lending Best Mortgage Rate Lending Mortgage & refinance best mortgage rate quotes on FHA, VA veteran home loans, arm, cash out and even bad credit mortgage loans! Mortgage Brokers - Kelowna mortgage brokers brings out best rate mortgages and best products to different clients according to their situation. 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