In today's world of mortgages things are changing by the day. I agree with others that you need someone involved completely in mortgages at this time. The rules and programs are changing constantly. You need to get preapproved with a legitimate person so that they are not just saying yes, yes and really haven't done the job correctly. As a mortgage broker myself for 17 years I have seen all kinds of tricks or problems. With a bank you have the programs and rates of ONE lender. With a broker, I see my role as finding the best rate and best program just for you. I am not limited to the rules of one lender. For example, a VERY well known lender that I always loved to deal with is probably seriously wounded by all that happened because their rates are MUCH HIGHER than others now. I am so disappointed as I loved to work with them and they always had the best rate. How could you know that? In addition, the lenders wholesale to a broker. Therefore you can get the same rate you would with the bank directly but get SUPERIOR service and professionalism. In my business, there is someone to answer your call. You would not find yourself pushing buttons to try to get through to a real person or get an answer. Finally, I suggest it not be done though the internet as this is your most personal information and I would not send my personal info through the internet to ? I am in Eastern Queens/Long Island and will be happy to answer any questions.