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How do I get the best deal on my mortgage?

Avoid shopping on internet sites. They are full of bait and switch! If it sounds too good to be true, it generally is. Shopping rates and fees in the real world are actually a pretty close race. Most companies get their money from the same sources. All should be within .125% of a rate and a few hundred dollars of each other. Service is what sets companies apart. Especially if you are purchasing a home. With contract deadlines and lock expiration dates , I would recommend using a mortgage professional/company where that is all they do and they have done it for years. Time is money and the faster and smoother you can get these transactions done, the better deal you will find. Look for referrals from others.