 you know that you're going to buy a home. The question is, what lender should I work with? Realtors often boast about their preferred lender. You know, if you use my preferred lender, you'll be in great shape. But interest rates and closing costs are not the same at every lender. So before you go with your realtor's preferred lender, call Rick at Loans by Rick and get another breakdown of your closing costs and your interest rate.