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No. 11: Compare mortgage rates and fees. advertised mortgage rates are sometimes based on paying points, so you need to make sure you compare loans with zero points or the same number of points. "It’s important to shop for the same loan on the same day to get a true comparison of mortgage rates, because mortgage rates change every day," says Smith.
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To get the best mortgage rate, decide what type of loan to get, how. Many states offer down payment grants, often combined with favorable interest rates. And consider applying with different types of lenders, such as banks,
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