Mortgage Brokers or Direct?

I would avoid Lending Tree - they just give your info out to the whole world so that you have people hounding you.

direct

Do your own work. TD has some interesting rates. someone on this board mentioned a good rate at the flatiron branch of citibank. shong from bank of america who posts on this site is helpful. When you find a good rate, you can always call a mortgage broker and ask it they can do better than the rate you found.

I think mortgage broker is best bet for refinance and direct for a purchase. I like dealing directly with the bank when it is time senstive during a purchase and when the close date doesn't metter (refinance) use a broker. That said, Manhattan Mortgage is a very good broker in the city (Phil Figler comes to mind), Sunny Hong is very good direct and can be found on this site. Talk to both of them and pick the one that can get you the best rate with the lowest fees.