Mortgage question

[tommymac]

Got a few questions for you homeowners as far as getting started with the application process. my first thing is where or what banks to start with? We deal with citibank and are happy with them however their rates are higher than most ofther banks and have heard they are a PITA to deal with for mortgages. In a local paper they list local banks and their rates and i think wachovia and another bank had the best rates, but have also heard that wells fargo is good too.

Would it be good applying though many banks, I had heard that since they all look up your credit history that can actualy lower your score.

Tom