Don't be fooled by fake rates. Many companies advertise rates. All companies don't give you the rates they advertise everytime.
At ADRMortgage.com a quick email, text or call gives you the ammo you need to know what your rate will be. The mortgage process has gotten complicated over the last 10 years....banks aren't regulated by states and customer may wind up paying tens of thousands more at the closing table when using a bank.
I just had a customer go with a Kentucky bank. At the closing his payment was $1600 higher then he expected and he paid a ton more. Work with a company that has ZERO BBB complaints ever to date (nearly 15 years). Call Andy May 919 771 3379