If your lender won't lock your rate until you meet with them,OR until you are approved, keep shopping. Your lender of choice should also lock you in at application if you prefer not just at loan approval. 6.Not listening to your Realtor. Assumming you have selected a full time professional, experienced Realtor, it is important that you consider their referral. They are in touch with Lenders that are competitive,dependable and accountable.
Accountability is of utmost importance.
You might find a lower rate from on-line lenders, but what good is that lower rate if you are sitting at settlement with no closing papers, or incorrect closing papers that cannot be corrected for another 3 days. They just want your settlement to happen on time with as little hassle to them and most important, you. I can provide you with a full time qualified Realtor referral for the following counties in Maryland. You will of course have no obligation to use their service.