Whatever estimate he gives you will have to guess at the homeowners insurance until you arrange that. Now that you have found a house he should be able to plug in those property taxes and any HOA fees.
There may not be 4 options that work for you. But he should be able to talk with you about some options.
Pick a loan officer from recommendations from friends that have used them recently. The rates are real competitive. If you don't like this guy then use someone else.
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