In the past, the one way to get the rate that was quoted you was to lock it in when you applied. Of course, the rate can change if your loan is delayed for any reason. Now you can do business with mortgage companies that publish their rates on the Web every day. So before you apply, track rates from several different companies. Check to see if the mortgage company's pricing strategy is consistent.
Some companies price aggressively one week and then pull out of the market the next.
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