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