Choosing a Mortgage Lender

What is the interest rate?
Will the interest rate change over the term of the loan?
Will I be charged points?
What are the closing costs and other fees?
Will you lock in the interest rate?
How will the down payment affect the cost of the loan?
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The rate and terms of your loan will be based on a down payment figure, typically 3 percent to 20 percent of the buy price. If you can put more money down, you may be able to lower your rate and improve your terms.
What are the payment terms?
How long before we can close on this loan?
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What kinds of things delay the process? If you provide the lender with complete, accurate information, the loan process should will run more smoothly.