Something that the rates don't reflect. If you go to a big bank like Cit, BoA, etc you very well get the lowest rate. However, have an issue such as an injury, lose your job, etc and they will follow the process to a "T" up to an including foreclosure.
At the local banks, if you work with them they almost always accomodate people. Luckily I've never had to go down that path but it's something else to consider when you get a mortgage.
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