We have bought and sold many homes and we often arranged our loans through online mortgage companies and over the phone.
If you go to Bankrate.com and put in some numbers you will get a list of mortgage companies and their lowest rates. (Most brick and mortar banks will have slightly higher rates, but if you feel more comfortable doing things in person it might be worth it to you to pay a tad more.)
The cheapest rate/fee combination we found with the online mortgage companies was a company in NY called "Better". We are actually going a different route for complicated reasons but if we had gone with one of the online companies I would have applied with Better.
Good luck and happy house hunting!
kathy
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