I just spoke with John a few minutes ago. He had a good quote and fees he wasnt the lowest quote as fars as the fees, but what made me call him was the first sentence of his quote it states that THIS IS NOT AN AUTOMATED QUOTE he quoted an FHA mortgage and in his quote he had the required down payment of 3.5% since my request only showed a 3% down payment this made me feel that he actually looked at my request and gave me his best offer from the info I provided. So, called him he answered my questions one which I addressed that his rate was tops with another lender, but his fees were higher and WHY? He said that was his best quote for my request at the time he submited and asked at what time I got the other quote and said that today the rates had been repriced higher. John said he would put me on his rate alert e-mail list so I would be aware of the daily rate changes as they happpened if I decided to submit my application with him. As recommended by John I'm going to move forward for pre-approval. I hope I will be able to further update Zillow on John thru-out the process. So far so good.