The number on a billboard is not your rate
Advertised rates assume a high credit score, 20–25% down, a primary residence, and a conforming loan amount. La Jolla jumbo, VA in Oceanside, and a 5% down condo in North Park are three different prices.
Kevin's working estimates are published on this site as a starting point. A personalized quote — no credit pull to start — is what you actually use to write an offer.