Loans may be more difficult to get right now but having the right connections sure can make a difference!  In my experience, I've found that what separates the great lenders from the good ones are those that answer my calls and my questions promptly and follow through for my clients.  I have three favorite lenders whom I trust and respect and if you ask, I'll name drop!  Most offer similar products with competitive interest rates.  A few offer exclusive programs.  My favorite lenders are sensitive to my clients' needs and offer solutions to fit them.  A client last week was offered a loan solution by one of my preferred lenders which added closing costs into his loan yet reduced his original monthly payment at the same time!!  That's what I'm talkin bout!