Who cares if they sell it? The terms remain the same. What matters is the initial loan closing process and choosing the wrong person for that can be a nightmare. If you use a local lender, you can go sit down in their office if you're having questions or issues. They want to make you happy because they're in your community and depend on referral business. Online lenders don't care, you're just a file number and if they mess up it's just not a big deal. Good luck in whatever you decide...