Again, go to a reputable lender or bank mortgage division. Interest rates are directly tied to your credit. A lender cannot quote you a rate at all if they don't have a loan application and a credit approval. At that time even, it is a guess until you find the house to purchase and the sales price is set. Only then can they actually lock in a rate for you. It is a very good idea to choose your lender and do all that is asked of you short of a final buyer approval, before you look for a house. By doing this, you remove all ugly surprises and can negotiate for the price you want. You will have more power with a seller if you are an 'approved' buyer, subject to finding the house. Remember, if you 'hide' something, it is guaranteed to come back to you and be found out!