I am buying a house and looking for a loan. I place my information on Lowermybills.com and received multiple phone calls. The one that sounded the best to me was Earth Mortgage. They are at about 6.25 for a 5/1 arm interest only. This is above bankrate.com’s rate, but I still feel uncomfortable. They have all BBB licenses, my loan officer is licensed in the state of texas, and they have a special award from Lendingtree.com if you look them up on that website. I usually have no problem doing business online, but when my loan officer at home(who was doing the loan) warns me about online companies, I am weary. In reference to most of those bait and batter remarks I will most likely get. They are trying to lock me in so I do not have to worry about the rate changing. In order to lock in the rate, I have to place a deposit on my appraisal fee of $360. Please advise, and thank you for any responses.