yeah i used to work at a lending firm and you have to be super careful with what other companies quote you. make sure to read all the fine print and make sure they arent trying to ’stick’ you in a different area. also, consider using a money merge account when u settle on a loan and see if you can pay it off faster, saving you money in the long run.

You are not obligated to anyone but you need to make sure that you are comparing apples to apples. For example the mortgage you are currently in may have a higher interest rate but without points and those who are quoting you a lower rate may be with paying points. Also unless you have submitted a full application to the other brokers and they know your credit/income there is no way for them to know if you even qualify for the lower rates. Beware of those who offer the lowest rates to get you in the door.