I work for a mortgage wholesaler and feel free to PM me with questions. We buy loans from over 2000 brokers in every state, so I can possibly give you some names.
First, pre-approvals are not worth the paper they are drawn on. Don't worry about it. If you want to spend $X for a house and your LO tells you that you can afford 25% more house....Run....fast.
I agree with those who tell you to check out a broker. They have multitudes of options available that some (many) banks can't offer. Be very careful when handing over information or fees upfront. Many brokers are scammers and you don't want to be subjected to ID theft. Ask friends and family members who they have used in the past, and what they liked/didn't like about them. Also, don't feel obligated to go with someone locally. If your brother/parent/friend in another state loved their Broker or LO, they can do a deal in you market.
Don't let your Real Estate agent steer you to a particular broker. They are getting a kick-back and not acting in your best interest
Don't always jump at the broker that can get you the lowest rate. There may be fees and points attached that they are not disclosing.
Since you are a first time homebuyer, check out any classes that local banks or brokers offer. They are well worth the time. You learn your options upfront so you can make an educated decision and not rely on what your LO tells you.
If you don't have 20% down, can you and your new home qualify for VA and FHA? Check it out because MI companies have all tightened their guidelines and they are tanking all kinds of deals that they previously did. If you qualify for VA, no question...do it!
Since you are in Georgia check out the state's Real Estate Fraud Prevention group:
http://www.grefpac.org/ . I have attended a few of their meetings and they are probably the best organized group in the country.
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