Shop wisely Shopping for a mortgage is NOT like shopping for a car or a computer. Rates change daily and sometimes they change through out the day. The best way to shop for a mortgage is to get mortgage quotes on the same day. Dont just shop rates, shop for service, and fees as well. The best overall package of service, rates, and fees should generally win.

Check Your Credit: Find out what your credit rating is currently. You go go online to one of numerous sites and obatin a free credit report. By making sure sure your credit report is accurate and optimal, you can be confident that your credit rating will not negatively affect your interest rate.