what is the best mortgage lender for first time home buyer with excellent credit score

A local mortgage broker will be your best. Brokers have access to numerous lenders (here at Velocity, we have 21) with each one offering a different group of lending programs.. A qualified broker will look at your complete loan profile/scenario and find the best loan product for your exact situation. By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com