You should check out Duane Buziak Mortgage Maestro . His NoTouch credit system allows him to shop hundreds of lenders for you simultaneously, so you can see all your options without any hard inquiries.

Are you kidding? This could totally snowball into something way bigger. Sometimes the small stuff is just the start of a whole mess. If people ignore it now, they'll be dealing with the bigger problem later, lol. Gotta look at where this might lead, not just if it feels important today.