Rates change every day, sometimes 4-5 times a day, and the rates right now will have no relation to the rate that you choose to lock into when your offer is accepted. A lender with the best rate right now, might not be the lender with the best rate two weeks, or four weeks from now. Talk to a handful of reputable lenders, find the ones that you trust and are comfortable with, and shop the best rate from among that handful of quality loan officers. A good loan officer with a reputable company will always work hard to give you their most competitive rate. - Thu Aug 13 2009, 11:59