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You can "fire" the lender, but realize that it may delay the closing or even cancel the sale of a specific property, depending on the wording of the purchase contract. If you've got a "border line" pre-approval -- think carefully. Will another lender pre-approve you?
No you don't have to go with the lender who pre qualified you. You can interview with several lenders. Go with who you feel the most comfortable with and whose fees are reasonable. Hints: You can get your credit pulled 4 times by lenders within 30 days before your score takes a little ding. It's also best to stay away from the big banks right now. They seem intent on slamming you down at a 35% debt to income ratio..which means your pre approval amount you can go shopping for is going to be much lower than you would like. If you see a credit union, their rules are much more lax. They do not have to subscribe to the same rules and guidelines the big banks have to follow. Credit unions also deal with subprime scores and are more willing to lend you money for auto loans, and home loans. And the best tip of all is to find a mortgage broker who is the CEO of the company. They can get you pre approved usually better than anyone else. When you walk into a bank, you are dealing with a loan officer or branch manager who has no authority to open up your debt to income ratio. They have to get permission from their higher ups. A CEO does NOT have to get permission from higher ups. They ARE the last word and know options on how to get your approval amount boosted to a higher amount. This is true. Check it out... Shy [contact info removed by moderator]
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