So I've shopped around and Quicken so far has given me a good quote. I don't want to quibble too much but if the agent wasn't so pushy I would have already submitted everything. She's telling us we have a "courtesy lock" on our rate. On the loan quote it says we're locked until 6/28 and there's some fine print about 5/25. She's saying we have to put down a deposit tonight or we lose our lock. Here's her quote.
Right now we're at 3.75 with 393,000 remaining - so this would save us quite a bit:
Loan Amount: 402,000
Rate: 2.75/ Apr: 2.78
Monthly Principal and Interest: 1641
Mortgage Insurance: 34 (falls off after 2 years)
Estimated Escrow: 597
Estimated Closing Costs: 6476 (lender credit: 821 / loan cost: 1852 / rest is escrow)