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Multiple mortgage quotes are just that, except that you just wait for a phone call or e-mail with a lender to see what they offer.

Throughout, you should always keep in mind your financial ability to repay the loan. They also check your credit score and review your performance with the previous loan.

Many people have lost their job or had their hours decreased enough to make a huge difference in their income.

You can be promised a lock-in free, but your case agent may charge you very high for her fees or costs.
Refinancing your mortgage is an important decision and should not be done blindly.
Tip: stay away from high-priced seminars that require significant prepayments that usually means trouble.