That totally depends on who your current lender is. Big bank? I would say there is no benefit to staying with a big bank. Staying with a mortgage consultant who has worked with you and knows you and your goals...now that makes sense. You are going to need to completely re-qualify for a new mortgage anyway. Go for the knowledge, service and pricing.

Choosing a lender is both a personal & business decision. You want to choose the lender that can give you a competitive rate and closing cost but you must also feel comfortable with him or her. Just because one lender has a 1/4% better rate does not automatically mean that is who you should go with. That lender may take 6-8 weeks to close your deal or never return phone calls or emails. When purchasing or refinancing a home you must divulge very personal information and you had better trust and feel comfortable with the person you are doing that with. After 1-2 months or even 5 years you'll never remember 1/4% difference in the rate and it will not impact your life but if you have a bad experience during the process you'll remember it for the rest of your life.ENG Lending, A Division of Bank of England, always puts your best interest first. We would appreciate the opportunity to serve you. Please visit us at www.cincinnatimortgagerate.net You will soon find that we are so much more than a Mortgage Banker; we are a company that is dedicated to empowering our clients and referral partners. Don't forget to visit our Facebook Fanpage at http://www.facebook.com/pages/ENG-Lending-Cincinnati/171183536269710#!/pages/ENG-Lending-Cincinnati/171183536269710?sk=wallOr Call Anytime 513-403-6260

Check the rates online, if your lender is close to the best and your previous Loan Officer is still there he or she will give you the best service (or at least I do for my returning customers). If there not close, go with the best rate from a reputable lender.

check around. get quotes. check Better Business Bureau ratings. Your current lender already has your business. Other lenders want your new business. It's a tough call only you can make.

I vote for discussing with your current lender especially if he was with a independent broker or banker(avoid the big banks)...he is familiar with your file and you have trust established.