I wasn’t meaning to imply anything negative about the people you are working with Nic. I trust the mortgage broker I work with but I double check everything early on because even honest people make mistakes, which would be better fixed at the start of an escrow than at the end. People should be comfortable and in fact approve of you doing this.
As you say, definitely look at the terms again when you sign at closing. One time I showed up to sign and the rate was 3/8’s higher than what we agreed on. It was cleared up and I signed the next day.

I don’t understand the Northern California Vs. Southern California difference.Did your contact explain why?Just curious.