The questions that are asked on most of these websites are usually just a few basics, and you are purposely MISquoted rates to get you to apply.

Once they get the application, eventually you find out that you don’t qualify for what you think, but they got the lead, and some people stay with them. Sometimes you don’t find out the rate until after you have paid for an appraisal. It borders on fraud IMO.

Without the answers to about 20 questions, it’s not possible to give someone an accurate quote, and even with the answers, it can still be difficult.

The conditions to get loans funded many times are frustrating. Up to the underwriter.

By the way, If you know that you want a 30 year loan, why would you even want a no cost loan ? Worst thing that you could probably do.

Of the OP quotes, BB&T’s are obviously the most misleading.
I don’t believe that rate exists today for a “no cost” jumbo loan, or even close, nor do I believe that Wells would offer 6.875 the previous day.

I’m NOT saying that I don’t believe that is what you saw. I’m saying that I don’t believe they would fund the loan.
Even if they locked it, it prob wouldn’t get approved.
Just my 2c.