How do I shop for the best rate and terms for a mortgage?I am ready to purchase a condo in NYC -- sign the contract. Price is around 1.3 mil and a mortgage of 675k. High FICO score. How do I get real rates and closing cost estimates that I can reliably count on? It seems that banks give you numbers on the phone but do not commit to putting them down in writing -- even the one that pre-approved me or the one that actually approved me for a loan 8 month ago (deal fell through). It looks to me they always leave themselves a wiggle room and won't put things in writing. I understand that rates change daily but by looking at their websites I am never sure which rate I am being offered. Do I need to file actual loan applications with multiple lenders before seeing actual terms in writing? Please advise and thanks so much for your help. JSAugust 04 2010 - Upper East Side0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.