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You only need to be pre-approved by any place to show a buyer you're serious. You've got no obligation to use that lender when you actually want to submit an offer. If that lender wants to cash in on the work they did, they can get competitive with their rates to earn your business.
Just as I'm always saying about car buying, advertised rates are bunk. It's irrelevant what someone advertises, only what they are willing to negotiate. This isn't like normal goods like a box of cereal or pair of shoes where you pay the price listed.
I've decided to create a spreadsheet similar to my vehicle total cost of ownership calculator that lets me plunk in various offers from lenders and play out the scenarios. The spreadsheet will decide for me, not some smooth talker. I'll share it when I finish with it.
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