I always suggest that Buyers check with their current Bank ABC and get a quote first.
Then shop around and see how much better you can do elsewhere at Bank XYZ.
Finally, go back to your own Bank ABC, who already knows you, and tell them what their Competition at XYZ has offered and say:
"I'd hate to leave ABC after all this time; can't you match or better what Bank XYZ is offering?"
Bank ABC will then usually give you at least a token discount from what they quoted.
Still, most people are too shy to take that suggestion; and the economy assumes most people will eat what is fed to them . . . . and that's true.
Dale C. Hittle of GOLDEN RULE PROPERTIES in Glover, Vermont
Where We're Always Striving To Put Together "THE FAIR DEAL"