This is a great article from the New York Times that explains the advantage of using small local lenders.
http://www.nytimes.com/2013/12/29/realestate/a-big-push-from-small-lenders.html?_r=0&adxnnl=1&ref=mortgages&adxnnlx=1389284727-1KXxbYHh+ommWErWonNTRg
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