How many times have you or your clients gone online to check mortgage rates to only find out that half way through the transaction you were switched to a much higher interest rate?........ and you are not closing on time! You see if it is too good to be true it probably is. There is no way that these companies can quote you a rate when they don't know your Fico Score, Debt to Income Ratios and even your Loan to Value Ratios. There are too many factors involved with (4 comments)