Credit unions are great for auto loans, second mortgages and credit cards, but not as great for first mortgages or purchases. Most of the time they broker the deal rather than do their own underwriting unless they are huge like USAA or NavyFed.
Check into Guaranteed Rate too - they are the type of lender I was referring to in my post above (non- bank lender that originates, underwrites and funds mortgages). They don't use AMC's (at least here in S FL).
There are other non-bank lenders too that are excellent. Make sure you get an experienced and knowledgeable loan officer and you will see a world of difference in your mortgage experience.
Okay, I'll look into that. Thank you again!