I'm glad you took the time to call me back. I understand how you feel, wanting the best for your family.

One of my concerns, being in this business as long as I have, is that oftentimes in an attempt to gain business, other lenders may promise to meet or beat our rates. Or more importantly, that they can meet the close of escrow deadline

Because of that, I don't like to play games. I believe in giving you the best deal upfront. Buying a home is enough work and the last thing you need is to play games with your mortgage company.

Besides, I have found that oftentimes these lenders charge higher fees in an attempt to make their rates look better.

Do you still want to work with me or do you want me to cancel your file?

(I know this might sound harsh, but if they are shopping for interest rates, this is a question to determine if they REALLY want to do business with you. Nothing is worse than processing the loan, and then they cancel because they are rate-shoppers and not committed to working with you.)