There are many many choices when it comes to mortgage lenders and real estate agents, but should you wish to speak (NO HASSLE, NO OBLIGATION), Give me a call, and I will share a little known secret about another local company in the area and an income based driven fha program where you may obtain a rate around 3% or POSSIBLY even less (and yes their fees are super competitve too!)
Rates can fluctuate daily, but have been and appear to be holding relatively steady for the near future.
You are receiving sound advice from each response, and I commend you on educating yourself.
You are asking the correct questions and doing it the right way in obtaining an approval before beginning your search.
Good Luck whatever your choices are moving forward
Remax Realty Services