IT IS IMPOSSIBLE TO CONSTANTLY COMPETE ON RATE ALONE AND TRY TO BE THE LOW RATE LEADER ALL OF THE TIME. IT IS ALSO IMPOSSIBLE TO QUOTE YOU AN ACCURATE INTEREST RATE AND SUGGEST THE RIGHT PROGRAM WITHOUT FIRST REVIEWING YOUR CREDIT HISTORY AND LOAN APPLICATION. IF ANOTHER MORTGAGE LENDER IS WILLING TO QUOTE YOU A RATE WITHOUT DOING THIS FIRST... BEWARE!!! I PROMISE TO OFFER A COMPETITIVE INTEREST RATE ALL OF TIME, OFFER STELLAR CUSTOMER SERVICE, AND FIND YOU THE MORTGAGE PROGRAM THAT BEST FITS YOUR INDIVIDUAL NEEDS.