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Any one can promise you anything and it's easier to OVER promise when not reviewing credit. The fact of the matter is unless you officially apply, the person on the phone can tell you whatever they want to make themselves sound better. Unless you're getting a GFE, their quote is not binding. I wouldn't work with anyone that charges an up front fee to get a Good Faith Estimate (GFE). Check with a credit counselor on how hard pulls effect your credit rating, but my understanding is that you can have several of the same type of company pull your credit without a negative impact. PLEASE do not take my word for it. I AM NOT a credit counselor! My 2 Cents: Pick 2 or 3 highly recommended lenders and apply with all three of them if you want to shop rates. Reputation is everything when it comes to loan professionals. If a lender can't get your loan closed, it doesn't matter how good of a rate they lock for you.
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For Sale: $170,000
For Sale: $479,000
For Sale: $1,200,000