I assume you want the lowest rate and fees possible? If so, I would listen HLS and go with a broker vs. the retail arm of a large bank.

I would contact several brokers (such as the personal recommendations given above) and get a GFE from each, on the *same day* (to compare rates). Request par rates (no points), and compare using APR in relation to fees listed in the 800 block (these fees are related to the broker, vs. third party fees).

Also, a lower rate and higher fees may give a “low” APR, but if you don’t hold the loan to term (e.g. 30 years), your true APR could be much higher. Also, a “no-cost” loan generally means you are paying the fees in the rate – no free lunch…