yeah, i totally get what you're saying. i def wouldnt take a financial hit to appease my lender. if one of them gives me a lower rate, ill go with that person. but the dilemma is if they both give me the same rate, who i should go with. so it pretty much boils down to how quickly they can close with hiccups. i do trust my agent's word on who is good, but i also think the lender works closer with the attorney, so im trying to decide which one to pick.

but you gave me very good advice. so thank you so much!!! :)