<prompt> Human: Ive recently bought a house and I am currently shopping for mortgage. Unfortunately I have no idea what I am doing. On the one hand I was referred to a loan officer by a friend and have been discussing quite a bit about the rates with him. On the other hand, I had my pre approval letters done by another loan officer at boa before I was referred to the former. Out of sheer laziness I was just going to go with my friends, and not wanting to waste the boa ladys time, told her I was going with another lender. She immediately calls me up and asks me to give her another chance and using prior paperwork gets me what seems like a much better rate. With the other lenderVU I have also signed a bunch of paperwork and stuff but at this point have not put any money down for either party. What do I do? Whats the best way to compare the two and how do I know when its too late to switch? Should I feel scummy?  <response>: Unfortunately I have no idea what I am doing. emphasis mineShe immediately calls me up and asks me to give her another chance and using prior paperwork gets me what seems like a much better rate.So by your own admission you dont even know if BoA is giving you a better offer.Should I feel scummy?Not even for one second. BoA is the epitome of scummy. Do you think they care, at all, about you? 