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Starting Score: 9/2012 - 609
I would say a mortgage broker is better as well but if you are looking at a new construction, it might be best to go to the builder's loan officer to take advantage of incentives like closing costs paid by builder. I am going through a loan officer now but talked to a couple of brokers to get the process going. My loan officer comes out to the model home to run credit and start the mortgage process. It was nice to have a person to talk to face to face over cookies about the loan process. I wasn't expecting that.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
Last App: 4/5/13 Gardening until July 2014
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