It’s very common to start an online search with the word “best”. The results you get are superficial because big companies pay top dollar to appear at the top of those search results. Alternatively, when you read online reviews, they tend to skew negative because unhappy consumers are far more likely to share their negative experience than consumers who had a smooth experience. And overly positive reviews – think of companies with 99% 5-star reviews – are misleading because of the low number of reviews or payments to maintain those reviews.
Bottom line, researching the best mortgage lender via a google search or reading customer reviews leads to frustration from ad targeting or aggravation via critical commentary. The internet is broken. So, when it comes to mortgages, the truth is simple. There is no “best” solution for each and every borrower. The solution depends on _each_ individual’s personal financial situation – their credit profile, loan size, timeline, and most importantly – their goals.
Get quotes from multiple lenders – national, local and a bank. Then compare the things that actually matter.
Not sure which loan is right for you?
Our loan advisors help you compare options — no pressure, no commitment.
Get My Options →| Lender | Overview | Considerations |
| --- | --- | --- |
| National Mortgage | National size, technology-based, wide loan product set | Heavy use of technology, impersonal experience, limited local connection |
| Royal United Mortgage | Employee-owned, consistent top-rated customer service per LendingTree, real authentic loan advisors | Advisors are focused on your goals, personalized guidance, speed but not mass automation |
| Local Credit Union | Community-focused credit union with local branches | Membership eligibility required, mortgage refinance options may be more limited or slower |
Customer Service
Refinancing is a financial transaction _and_ a process. Communication, accuracy, and speed matter – especially when markets move quickly.
APR and Fees (Not Just the Rate)
The APR reflects the interest rate _plus_ most lender fees, giving you a clearer view of total cost. A low rate with high fees is rarely a good deal. Pay close attention to:
- Origination charges (Section A of the Loan Estimate)
- Lender credits (Section J)
Why Royal United Mortgage Is Different
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- Training Above Industry Standards: Our Loan Advisors complete rigorous training that consistently stands out in LendingTree evaluations.
- Customer‑First Process: No hand‑offs to an app. No guessing. You get a clear, customized strategy from a real authentic advisor.
- Origination Costs: As a privately held company – our overhead costs are amongst the lowest in the industry.
Our people and low overhead cost are our advantages – trained to become trusted financial advisors who know how to guide you through big financial decisions.
Bottom Line
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Stop chasing the word “best” and shop smart. Compare service and compare fees. If you want a home-based lender with experience and focused on _your_ goals – Royal United Mortgage is here to help.
