Are you making the mistake of focusing on rate and points? when choosing a lender, there are so many ways a lender can either make your life miserable with a bunch of red tape and time consuming activities, or worse yet, if you run into a bump in the road (which happens on almost every deal), how will they react? Be sure to check things like – documentation needed, cost of extentions, draw process and requirements, funding time. Picking the wrong lender (solely based on rate and points) can kill your deal and your profits!