you should speak with a mortgage broker, my website has a link to one that has access to many lenders and loan products and can help you find a loan that fits your needs...let me know if I can help you with your home purchase
BUYER CASH REBATE 50%-60% / SELLER DISCOUNT 50%
Quality Full Service! Work directly with the Owner/Broker.
Flavio Tejada, Owner/Broker, Realtor, MBA-Finance
If you have additional questions...Don't hesitate to email/call me directly.
Home Mortgage Consultant
(415) 271-7740 direct/cell
As for the comment about going to a bank because they don't have overlays, that could not be any more false. Most major banks do have overlays and overlays have nothing to do with "(extra pricing). That is not what an overlay is.
Rates change daily, like the stock market. Your financial situation affects your rates. Debt to income, credit score etc.
You've invested two days and received several emails into your research. And you haven't moved forward yet. I suggest you invest 30 to 60 minutes in a one on one consultation with my lender and then you will have a much better picture of what you can do.
Have an amazing day!
Best wishes, Jim