Each lender is going to differ on the rates they can offer you. Deciding on a lender is alot like shopping for a brand new TV. You have to find the place that is going to have the TV to fit your specific needs, customer service offered, and pricing. As a mortgage broker, we are able to help you shop with multiple lenders. We work with borrowers with credit scores of various ranges, different loan programs (FHA, VA, Conventional, 203-K), purchase price points, etc. If you are in the market to buy, we will help you lock in the best rate with the lender whom you will benefit the most from.