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Shop around with the larger banks. Like Wells Fargo, National City Mortgage Corp, ABN-Amro. Small brokers are more likely to charge additional points on the loans than large banks. This is due to the larger banks servicing their own loans. A broker does a loan but then the loan is ultimatly sold to somewhere for servicing. Also you can go to lendingtree.com and they will help pick I believe 4 competitors for you with the best preices as to what you are looking for. The good thing here is that these 4 companies are all competing for your business. You can see which one will be the best fit for you. If you have great credit there is really no reason a company should be charging you points on a loan.

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Q: How do you find the best place to get a first mortgage?
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