Loan officers will want to pull your credit, verify your assets and income before committing any program, but you can ask them to invest 30 minutes based upon an assumption that your data was accurately recommended. It's a reasonable request and you need not provide your personal data to everyone within the first 5 minutes.
Adjustables are now a complete joke and short term fixed rate mortgages are only a bandaid and are actually at higher rates then a 30 tear fixed rate rate loan.
What is wrong with this picture?
Don't get sold on short term fixed rate loans.
Take the 30 year fixed. Do not listen to the do gooders that sell anything else. You'll only dig yourself into a huge hole.
Century 21 Infinity