Mortgage bank
I have pre-approval with Citizens.( they were nice enough to send my and my wife's credit scores to us) and I've been pre- approved by Everbank headquarters Jacksonville, FL .
When the time comes (hopefully sooner than later) I'll check to see their current deal. Seems to me banks and mortgage companies will change their policies from time to time based on current market conditions etc.
I like to deal with banks although there is nothing wrong with mortgage companies. Just my hang up.
Good luck!
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