Best way is to get Loan Estimates from multiple lenders. The CFPB created the Loan Estimate to make it very easy for home-buyers to shop many lenders by comparing apples to apples.

Despite the government's effort, according to the CFPB 76% of home-buyers only get 1 Loan Estimate.

So don't be afraid, now is the time to shop, shop, shop. Credit Bureaus enable all your hits to be counted as 1 inquiry within a shopping window.