re: shopping mortgages when closing costs are covered

Company won't pay any additional money to get rate down. I don't plan to be here more than 5 or so years, so I don't think it's worth paying myself.

And the realtor thing is paperwork on my end. I was pre-approved by a couple lenders. Chase being one of them. The stack of paperwork they needed me to send them was crazy compared to some of the others. My sister had the same issue a few years back. Realtor works with my company often and knows who the lenders the company offers for us to use are(could use anyone, but they pay closing with these). She just told me which ones other people seem to like. I cant say she's wrong from my experience so far.

I just keep getting calls from people who are so confident they can do a better job, then tell me the same rate. Didn't want to fully ignore calls if there was something I was missing.