This is just our professional opinion, but even before you apply for a loan you should be comfortable with the lender you are working with. It's easy to apply at many places, and most of the time you can fill out a quick application online.

We always recommend meeting with or at least speaking with a lender before deciding to use them. I'm going to use Wells Fargo as an example here because it really paints a clear picture for you and we've dealt with both scenarios. If you call the 1-800 number to apply for a loan, do you think you are going to be taken care of better or worse than if you go into a local branch and sit down face to face with a lender? If things get stressful, or deadlines are looming while your earnest money is at risk, is it easier to hold someone accountable by dialing 1-800 or walking into the local branch? 

On a final note, keep in mind that anything you put down for information in an application is going to be verified and scrutinized by underwriters. If you aren't sure about something, ask the lender what their thoughts are.

Mortgage Application