I just come across this informative article in the Nov 2011 issue of SmartMoney magazine. It explains how to find a mortgage company that is right for you. And always remember that your trusted realtor is also a great source of a local mortgage referrals that will fit your wants and needs.

How do I find a good mortgage company to refinance with?
-Guy Saint Fort, Valdosta, Ga.

Well, first you need to define good. Do you want a company with loads of customer service? Is it all about the interest rate and low fees? Is your mortgage a plain-vanilla 30-year fixed product or something more complex (say, a jumbo or adjustable-rate loan)? Such questions help narrow the search, says Keith Gumbinger, vice president of mortgage information at HSH.com. Smaller operations, like credit unions and local mortgage brokers, might have lower fees, experts say, but may not offer every mortgage product. lf you prefer dealing with a single institution, one that’s less likely to sell your loan, you might do better with a larger bank. And don’t forget to start with the firm holding your existing mortgage. It already has your paperwork and might be more willing to negotiate terms, says Gumbinger.