This Spring I’ve had a few deals collapse and a few we had to save at the last minute because of financing problems. My advice is if you have good credit and a business relationship with one of the big banks, then use them for your mortgage. Lately I have seen people be refused financing when they should have had no problem getting qualified and approved at a good rate. I can’t stress how important it is to have a good mortgage rep from one of the big banks or an experienced mortgage broker working for you.