One other way to compare mortgage rates is with a mortgage calculator. Choose between an adjustable- and fixed-rate mortgage: The interest rate type can affect how much you pay over time, so consider your options carefully.During this time, you can continue shopping around for a home without worrying about the rate changing. Consider a mortgage rate lock: A mortgage rate lock lets you lock in the current mortgage rate for a certain amount of time - often between 30 and 90 days.You’ll need to complete an application and undergo a hard credit check. Get pre-approved for a mortgage: Pre-approval doesn’t guarantee you’ll get a loan, but it can give you a better idea of what you qualify for and at what interest rate. Review and compare loan estimates from several lenders.
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