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First Time Buyer, help me decide how to handle my financing? Getting tons of mixed advice

Florida if that matter. I am under contract for a house and our closing is in 3 weeks. Our close period was 30 days and we had some things come up during the inspection that had us questioning moving forward. We are deciding to move forward and I am working with a bunch of lenders to get that sorted out.

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We are well qualified for the mortgage, great credit, this should be as easy as it gets as it relates to underwriting. We are approved using just my base salary and not factoring in my commission (years of consistency) or my wife's income.

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I have a rate from a credit union that partners with CUMA that is roughly 1% lower than everyone else right now. The other options would be using local brokers that are well reviewed. I see advice that says everything from take the lowest rate, thats why you shop around to, make sure you use a lender that is reliable and can close on time.

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I am looking for any opportunity to save money on the purchase since I am buying at the most expensive time in history and this makes a pretty big delta in our monthly payment.

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How do I ever know if the lender will be able to meet the closing and do I go with the cheapest option or go with the reliable option and pay the premium?

submitted by /u/everydogday
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source https://www.reddit.com/r/RealEstate/comments/11yl0oi/first_time_buyer_help_me_decide_how_to_handle_my/
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