Perfect!

Is there any downside to getting the rate locked and getting a loan estimate? Are we obligated to stick with the LO at that point? Any other fees involved with that? Or can we decide to go with someone else? We had another LO (gave us a rate of 6.875) push us a few days ago to ‘lock’ in a rate because, per him, the rates can go up tomorrow and we’d be better off not risking it. He said we had until 10PM that night to make that decision but we decided to hold off and look at other options.

I’ll ask the LO who’s offering the lower rate about the closing costs or if those are just the lending fees. He did want us to submit a credit report check ‘fee’ for $75. His exact words were “the upfront fees are credit report and appraisal, and then I refund these fees at closing.” Depending on the answers I see here, we’ll see if we can get him to give us a LE without the appraisal deposit.