Originally Posted by Ron Bennett

If you have excellent credit, skip the on-line stuff and contact some local / regional banks - you'll likely get better terms (length of loan, points, fees, etc - can add up considerably, especially if rolled into the loan), better rate (while also comparing terms as previously mentioned), and better service. When comparing loans with similar rates and terms, also look at how often the lender resells loans, and who does the loan servicing.