I'm definitely not banking on that haha! I actually just paid off my private loans recently so my federal ones don't scare me too much any other time they just look scary on my credit reports.

My wife and I are just starting but in our area they won't show you a house until you have a prequalified rate. I was wondering though if I get a house that I want to put an offer on am I still able to shop around with other lenders or am I stuck with this one until it runs out?