Looks like I was unfair to Wells Fargo in my previous posts. I suggested that they were sluggish in getting back to me -- and they were -- but when I went back and read my email to them I can understand why. I wasn't really clear that I wanted the answers right away; it was easy to read into the mail a message of "we're waiting for more details before I get back to you."
So, when I actually emailed them (her, actually -- her name is Dawn, same as the paralegal at the lawyer's office) with 3 concrete questions, they got back to me right away (well, within 8 hours at least).
Rates are going up. A month ago, they quoted us 5.875. Now we're getting 6.125, which is the same rate GMAC is quoting, and the same rate Bank of America is quoting. WF gave us a slightly better rate on the 20% loan, though, once I asked them to recompute it for a 15/fixed or 20/fixed.
Right now, WF is looking good. GMAC's rates are competitive but their closing fees seem higher. Sallie Mae doesn't have any of their information online, and neither does Sherwood -- the two other places I was considering.
The next step? Signing the purchase contract.
Steps after that? Deciding for sure on the lender, faxing the contract to them to lock in the rate, and scheduling a home inspection.