I randomly plugged in a Bay Area zip code and $500k loan amount, from a random PMI company that I haven't shopped, and this came back:Break even on single premium PMI is $9200 / $170 / 12 = 4.5 years. 

I'm just learning that lenders are not all the same and that you have to shop for one until you find one that is willing to work with you and knowledgeable at the same time.

And most importantly, I want to conduct business in a professional and helpful manner, and do not want to be a scum bag. 

Just for grocery shopping when she cannot.

Shop around. 

Makes sense to shop around.

Provide an easy calendar/shopping cart that syncs with VRBO and Airbnb (Or at least update it regularly).

It is my understanding that using an independent mortgage broker is beneficial in the following ways… They shop your credentials to many (up to 30) different lenders to get you the best rate Lenders will give them (the broker) a better rate than they would give you if you walked in and applied yourself Mortgage brokers are paid by the lender and in most cases are free to you Are these points accurate BP?

It is my understanding that using an independent mortgage broker is beneficial in the following ways… They shop your credentials to many (up to 30) different lenders to get you the best rate Lenders will give them (the broker) a better rate than they would give you if you walked in and applied yourself Mortgage brokers are paid by the lender and in most cases are free to you Are these points accurate BP?

I would definitely shop around and see which lender would result in the lowest payment, offers the best terms, and would be easiest to qualify with.