How do you decide what mortgage company to use?

I have been speaking with several people about what mortgage companies are trust worthy and won't rip me off. I have heard good and bad about many of them. I can't figure out who to choose. One company is saying that I can get $XXXX and another one is giving me a figure higher than that...how can that be? I don't understand how one company thinks we are a greater/lesser risk (i guess) than the other one does.





Help, Please!!!!How do you decide what mortgage company to use?
when we shopped for our 2nd home we also shopped for the best interrest rate . . .we only inquired with reputible lenders to begin with . .How do you decide what mortgage company to use?
It's just like buying bread. It could be more at one store and less at another. There is no one or uniform formula every bank uses. Go with the one you feel comfortable with. The cheaper one is not always better. I'd go with a bigger bank (as long as the rate deviation is not absurd) just because the likelihood of the mortgage being sold off to another lender is less likely.