I went through many headaches and got a loan just 2 months ago.. Best advice is this.
Go to Scotia Bank. They are at least professional..
3.5% for 3 years... 4.5% for 5 years,,, then adjusts
They have a much smaller 2% prepay penalty also.
DR banks are not.
Other banks will surprise you with requirements that never exist in USA.
They wont tell you that you are approved for a certain amount, and lower that amount, twice.
Most banks will make you buy LIFE insurance..
Within 1 week of closing the told me I had to get life insurance and I had to pay $500 for that medical exam.
Second piece of advice is that you should have multiple applications in the works, in case one goes sideways like it did for me.
My problem was I didnt have any time to make the Scotia application.