Would You Please Answer a Question?

Here's where I ask for your help with a simple question. What is most important to you when you look for a mortgage?

1) The rate and fees are all that matter.
2) Understanding the Process
3) Trusting your loan officer
4) Knowing the lender
5) They're all the same, I just use the loan officer my Realtor recommends.
6) Other (Explain)

It's important to me to understand my potential clients, so help me out here, if you would.

Thanks,

Dave