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Post being replied to

I was going to go fixed. by tdiddy07

From about 6.5 fixed to about 3.99 fixed.

I felt out a couple different lenders. Based on advertised rate ranges and the fact the seeming routine practice of all of them suggesting an initial rate on the first screen and then moving it up a tad by the end (reading reviews this seems commonplace), that seemed as good as could be done. I don't care about user features. I'll be on autopayments. I just want the lowest possible rate with some potential forbearance if something strange happens.

I need to look at the fine print again on how long the rate is good for to confirm my flexibility and balance that with the likelihood of a rate decreasing.
But there is a bit of frustration of going through the initial process and then being bumped up a bit by the rate. While it's still better than my current rate and toward the better tail of the listed possible ranges, having the initial number toyed out there after the first page of the application process put a bit of an anchoring effect for me as to what I'd like to have.