Congratulations on your mortgage preapproval!
Countrywide is one of the MOST REPUTABLE lender's in the world and many of these broker's that are soliciting your business here (which is against the Yahoo! Answers guidelines as well) will most likely source your loan with Countrywide's wholesale division.
First, I would work with Countrywide and ask them specifically what the $450.00 is for and if it is applied toward anything (such as the appraisal). Advise them that this is the highest "application fee" that you have heard of and see if they will reduce it; advising them that you have many options for lenders that you can work with.
It is most important that you trust and like the individual you're working with and have good communication and understand everything in this process. If you don't - find someone - through the referral of friends & family of someone they personally have worked with & trust.
I love Countrywide personally & professionally as they are honest, trustworthy and provide long term customer service.
Las Vegas Realtor® – RE/MAX
Please consider this again: the person(s) that are here, completely violating the guidelines of Yahoo Answers! with regards to personal advertising, their name, phone number, etc. & offering advice, with the possible hope that you'll email or contact them for their own agenda - trying to get a deal - is violating the rules.
The person that may simply suggest you email them for free advice is less predatory perhaps in their approach - albiet their agenda is the same.
In doing this, this should effectively demonstrate their lack of professionalism, code of conduct & professional ethics, while ignoring the guidelines of this forum and its intended use.
Imagine their everyday practices! Please be cautious!
This conduct is what makes an industry look bad.
I cringe..............and continue to report the blatant disregard for the rules of this site for their own gain and "free advertising" methods.