How do I decide where to apply?

Updated March 13, 2023.

There are many different lenders and many different types of mortgages available. Mortgages vary in the interest rate, the length of the loan, the method of paying for taxes and insurance, the costs associated with borrowing and the rules and requirements of the lender. Each buyer needs to “shop” for the mortgage that best meets his/her needs. In determining where to apply, make sure to consider the fees and closing costs charged by the lender, as these vary greatly. Many of the costs associated with the purchase of a home are “hidden” in the fees charged to you by the bank and it is important that you are aware of these fees up front.

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