The fact is that rates change all day long. When you request a quote, a data sifter compiles all of the rates available at that moment. In the best case scenario, what you see in the results display is the lowest, most unattainable rate. In the worst case, you might see bogus information designed to mislead people.
Online rate quotes are a risky way to shop, because they’re there only to entice consumers to submit their personal information. Only a consultation with an experienced mortgage consultant can give you honest, useful information.