Not all mortgage lenders are created the same. When my husband and I bought our home we had quite a sizable down payment and very good credit. The real estate agent said we’d have our choice of lender and our choice of loans. We wanted a mortgage lender with a solid history. We’d heard about mortgages being sold, and sold, and sold until some homeowners have no idea who is holding their mortgage. Shop around when the time comes for you to obtain a mortgage. Evaluating the mortgage lender is important. We decided to go with a regional bank that has a great reputation. They also gave us fantastic rates and closing costs on our home mortgage.