Also watch how many points they are charging. A low interest rate will always be advertised prompting you to make the phone call.

But accurate mortgage interest rate quotes are based on establishing the client's credit worthiness, debt-to-income ratio, payment history, long/short term goals, and what they can comfortably afford so there are no surprises and rate changes the day of signing...

I have never fallen out of escrow based on a lack of due diligence (knock on wood!). And guess what, they still get a great rate with low fees!

Pete