How do you compare different loan programs?

Compare them using the same standard form. Every lender uses the same Loan Estimate, so you can line up rate, monthly payment, closing costs, mortgage insurance, and loan features side by side. I routinely advise clients not to choose only the lowest interest rate, but to also weigh the lender's fees, and I help them negotiate with lenders. Then consider how long you plan to stay, how much cash you want to keep, and which program you qualify for, such as VA, FHA, or conventional. I can introduce you to lenders who fit your situation, and you're free to choose any lender you like. I'm not a lender and can't make loan decisions.