If not you can back out of the deal but only if you had an inspection contingency in the offer which you should along with financing contingency unless you’re in a super competitive market where those are typically waived but as a newbie you want to make sure those are included to protect yourself.

Do you know any lender with very competitive rates to refi?

I use cozy currently, but the applicant cost per credit report is $25.RyanHi Ryan,Do they disallow other (granular) fees, the way banks charge on loans, such as:Application fee $20Application review fee $20Application storage and filing fee $20Application clerical fee $20------------------------------------          Total                $80I'm just using that as an example, of course it would be intelligent to match what your competition is doing and not charge $80 if everyone else is charging $20.

The competition is fierce, to say the least.

There's a lot of competition in this space, you'll need to be as ready to move as you can be when the right opportunity comes up. 

Get started at more than one institution and let them know it is competitive.

Well I'm also curious as to how competitive these rates are.

This location is in a large Metro area with a lot of competition.

But in case they don't read it the prescreening script should be part of your initial phone conversation prior to scheduling showings.If you have a hot property you can also schedule multiple people at the same time slots, creates a bit of a competition between them.

Their importance, especially in uber competitive markets?