re: Where to shop for Mortgage rate? Online?

do not go FHA.. the loan officer may not be able to get a conventional approval with the late pay in the last 30days. just wait unitl jan. when it falls off..btw whats your credit scores? you will need 680+ for conventional to work in your favor..also remember this little secret if your working with a broker they get paid double on FHA loans then they do conventional loans.