Usually appraisal fee is the deposit for locking the rate and non-refundable
. Before that, you can always change broker with no loss. The key factor is
who can close on time and who can stick to their good faith estimation.
provident has good rate, but very strict on approval, may ask for documents
which may make you crazy. Don't know Wells Fargo, but in general, big banks
ask for documents that sometimes do not make sense. Some broker is very lazy
, once you locked, they won't response any more until the last minute.