"A good way to get a mortgage is to pass the buck to somebody else.  Shopping around and comparing mortgages can be time-consuming, so it may save you time to pay someone to do your shopping for you.  Get a mortgage broker, but get a good one.  These people are engaged daily in the world of mortgages, which means they have to know where to get the best rates, who is offering the best conditions, & generally, where it's advantageous to apply".

"In the long run, you will probably pay less for everything if you get a good mortgage broker, since the broker will know what kind of hidden charges there are and steer you clear of various problems.  Not only that, but mortgage companies want to keep in the good graces of anyone who is in the habit of referring business to them.  There are certainly technical considerations, such as the length of the mortgage, whether guarantees are involved, conditions of default and all kind of other things that a mortgage broker and attorney will inform you about"