More and more home buyers these days have their mortgages approved from online sources. Let's say you are a real estate agent and your buyer comes to you saying his or her mortgage is approved from an online sources. What do you tell them as a Realtor? Do you suggest they get approved again locally?

As current mortgage rates are at amazing historical low levels I wanted to understand what is the confidence level among the real estate agents and what they forecast about current mortgage rates. Here are some predictions by fellow realtors, whom I asked by posting a question in Active Rain.