Anonymous wrote:

Anonymous wrote:Just got a no pts quote at 3.95%. Broker though. Never go direct to a bank.

What about Credit Unions? Do you believe a broker is still better than going through a CU, such as PenFed?

I got a rate of 3.375 no points with Navy Federal (loan was about $600K). They were having a special in which they would match rates. I have been with Navy Federal for years and felt more comfortable. I also worked for a broker and a bank - so I made sure to compare Apples with Apples. Pen Fed is good- but their fixed rates have usually been higher than broker rates. There are good brokers and shady brokers - just do your homework.

Anonymous wrote:Just got a no pts quote at 3.95%. Broker though. Never go direct to a bank.

What about Credit Unions? Do you believe a broker is still better than going through a CU, such as PenFed?