Some lenders will be more conservative in their initial
estimate than others lenders.
Not exact matches
When you take the effect of points into account, Citi's online mortgage
estimates present slightly higher rates and fees
than similar products at
other lenders.
While interest rates on these
other home loans aren't available without a full loan
estimate from loanDepot, it's unlikely that they'll save you much more
than other lenders.
Other than pulling your credit reports,
lenders basically rely on your word and your best
estimates during the prequalification conversation.