Regardless of what method you use, very few borrowers actually get the best possible rate that they could have on the day that they lock.

Shopping for a rate is exactly what gets you into this mess.

Until you know what you actually qualify for, you will be fooled by the best liar.

On any given day, 10 different lenders will have 10 different “best rates”

Henry Ford guaranteed to sell you a car in any color, as long as it was black.