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Can anyone offer a first time home buyer tips/help? A few questions....

We are at the step of finding a lender. Is Lending Tree the best way to do that? Has anyone ever used Lending Tree? What are other options? What is the difference between a loan officer, a lender, and a mortgage broker? I have been using the web a lot too for research. Any websites you would recommend for tips? Thanks for all the help!

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A lot depends on your credit score... Doing things in person at a local bank - maybe the one you have your money it - is usually the best. A credit union is even better. It helps if you have an account there (or are willing to move it there). Lending tree will find places that will lend you money, but I wouldn't use them unless your credit was poor. They're usually a little higher in interest.
Mortgage brokers will take the loan to several places and come up with one that works for you. A loan officer works in the bank or mortgage co., which is called the lender.
Bankrate online will give the best advise as far as interest rates,etc.
Best to get approved by some lender before you go shopping. That way you'll know how much you'll qualify for, and you can zone into that price range when you're looking.
Like I said again - go for a credit union if you can - they'll work with you the most. I think banks are pretty tight with money these days...

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That was very helpful! Thank you! We do belong to a credit union. So you think our credit union will be willing to help us more than another lender? Is this why you suggest a credit union? And also because they will give us a better interest rate?
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Once I find out what our credit union will offer us in an interest rate how would we compare that with other companies? Is this where I would use lending tree?
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L0vEmuSiC

I'd recommend finding somewhere next to a school. Don't know much about the rest.
Sorry ):

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