Rates do vary from one lender to another. I can also tell you that with your credit scores you should be n the neighborhood of 3.25% or so fixed for 30 years and paying ZERO points, in fact this rate often allows us to give you what's called lender credits which is money that can be used towards your closing costs. Rates and fees are different from one lender to another even if you're comparing two bankers or two brokers or a broker to a banker.
I always advise people to not only shop rates and fees, but rather a reliable and trust worthy Loan Officer. I want to advice you that in June of 2013, there will be HUGE changes to the FHA program that'll make it more expensive for you the buyer. Consider speaking to an FHA experienced Loan Officer to pre-approve you.
Feel free to contact me if you need help from a reliable Loan Officer. Good luck!
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797