Buyers should seriously consider listening to their Real Estate agent when they recommend a mortgage loan officer.  The loan officer and their team really are the ones who make a dramatic difference in the home buying experience, once the contract is accepted.  The process should be a very smooth one, if the buyer will listed and comply with all the things that the loan officer asks them to do.  There's a lot of paperwork involved in the process, but it's worth it in the end, when you get the keys to your new home.

If you don't have personal experience with a mortgage lender, please ask your Real Estate agent to refer you to the best!