Well it's a tough endeavor and here's why...by the time you get a quote from one lender at 5.5%, Lender #2 and #3 are going to quote you a rate that's .125 - .25% lower! Who do you go with? Who do you trust?
First thing is first! You want to gather and organize your paperwork this way you can effectively pit one lender against another.
Read: The Mortgage Application Process
By compiling a Credit & Income package to "shop" your lenders, you'll be sure to receive "accurate" rate quotes as you shop your pre-approval!
For information on Mortgage Rates, you can visit my Daily Mortgage Updates here:
I trust you'll find the articles referenced here resourceful...if there's anything I can do (such as make them more specific, etc.) to make them more resourceful, please let me know.