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We’re approaching closing and haven’t locked in a mortgage rate yet. Our broker is now quoting us a higher rate than he did when we first sat down with him a month ago (it went from 6.3% to 6.8%) and a higher rate than my idle search of bankrate suggests we ought to be able to get.

I have two questions. One is about whether we can stop now and start shopping, since he’s sitting on all of our paperwork. The other is about whether there is something we ought to know about bankrate, like that I’m missing something.