Most reliable direct lenders have access to very similar mortgage programs such as FHA, VA, Conventional and portfolio loan products. It’s in your best interest to contact and request customized mortgage loan options from at least 3 direct lenders in order to make an informed decision regarding who to work with and what particular mortgage loan option to go with as well. It’s important that you feel 100% confident and comfortable with the loan officer you choose to work with. Based on your phone interactions with different loan officers, you will find that some loan officers are far more knowledgeable and trustworthy than others. Ultimately, you should choose the loan officer with the highest level of integrity who you feel the most comfortable working with and who you trust to guide you successfully throughout the mortgage refinance or the purchase loan process without many headaches.