Just some advice for when your choosing a mortgage broker to purchase your new place. I would strongly suggest getting a referral either from your agent (me) or a friend. I would strongly suggest not to do an online deal with a person who you have never meet and hasn't even set foot in the state your wishing to purchase a home in. I have seen people go online get approved for a loan and the broker gave them a preaproval letter with the hopes that he could actually get it done. This broker has nothing to lose if he can't follow through on his commitment to you so he just crosses his fingers and hopes for the best. You see if he is in California for instance and your here in Kentucky and he messes your deal all up its fine for him. Because he has no ties to Kentucky and you can tell everyone you know that Joe in California did a terrible job on your mortgage.
However if you choose to use someone local they depend on your referrals and have a knowledge of the local market. They know who all the good closing attorneys are (Colleen Balderson) and can even give you directions to her office. They know if they do a poor job for you then that could really hurt their business to have a local agent and a local home buyer telling all their friends about their poor performance. Not so with some stranger in an entire different time zone.
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