Purchasing a new construction that was being built as spec house - should be complete March 2022. No construction loan on my end but paid $50k in earnest money. Typically do these things through my local mortgage buddy, which is easy and fine, but at this price point ($900k) feel like I should rate shop a little. Anyone had success with an online provider like Rocket, Better, Ally, AimLoan, etc. in the past? Their rates appear to be better, but wonder what I could be missing as there is always a catch.