I chuckled at the 50 dollars a month differential, many times we were talking 100's a month. Caveat Emptor!
Happy to help with a competing quote. Jim, HSOA, 703 615 4675.
It is always best to review and compare at least two lenders. Have them give you a full estimate of costs. Rate alone isn't the whole story. You need to see a breakdown of all of their fees, points if any, and standard costs. We use and really like MetLife Mortgage out of Severna Park (410) 299-2043 - Pete O'Donnell. They consistenly have the best rates and terms. Whichever company you go with stay with a LOCAL lender. You don't want someone you find on the Internet whose office is not accessible if you need them.