<prompt> Human: Were looking at purchasing a first home, income is high enough that lenders have made it clear theyre willing to lend us much more than were asking, credit score is about a 770, and were putting 20 down for a 15 year loan. Online lenders appear to be offering rates just under 4, claiming a flat 1500 fee, which they say part of which could potentially be waived in some cases, while local lenders are wanting closer to 5 with fees. The real estate agents weve spoken with are saying online brokers are slow and sometimes that makes it hard to compete in a fast moving market, although I think thats typically for people whose situations are more complicated than ours. It seems like were fairly ideal people to lend to, so Im wondering, is there something else about online lenders I should be wary of, or is this the same fear of online banks that was so common 5-10 years ago?  <response>: Online lender here, simple answer is, your realtor has their favorite person and even if its not the best choice for you they want you to use him. 