It would seem to me that you simply want to eliminate the moving parts in the negotiation process.To do this it seems you could start with a specific time frame for locking a Par rate. Then it would come down to the fees and commission you are paying upfront.
For instance I am looking for 400K refinance. Eliminate all brokers and banks that will not give par rate quote. Once you have 2 or 3 to work with you are now boiling down what their cost is to do the loan. 3 brokers quoting 400 k at 4.5% on a 30 day lock on a 30 year fixed rate mortgage all on he same day. 1 charges 2k, one charges 3K, and 1 charges 4K. It seems to me that the one charging 2K is the guy to go with for the lowest cost of money.
