rjeps, I was "warned" about using Quicken by a local lender who said that they were known to increase fees or interest rates at the last minute, and were notorious for being difficult to close with/not close on time, and that you couldn't get hold of them when you needed to. IS he blowing smoke? Was this your experience at all? We have been pre-approved by them, and they have been very good and easy up to this point, but I don't want to have bad things happen in the 11th hour.