I read an article the other day in Realtor magazine that said over 50% of buyers do not shop for their home loans.  Why not??  Would you buy a car without comparing other dealerships to see if you can get a lower interest rate or deal?  The answer is probably, no, so why not “shop” for your home loan as well?  A home purchase is probably the biggest investment you will make in your life and a fixed interest rate plays a big part in your monthly payment.  For example, if you are buying a $100,000 home and putting down 3.5%.  Your loan amount will be appx $96,500 (if you do not roll in up front PMI).  At a 5.5% interest rate principal and interest will run about $548/mo, but at a 4.75% rate it’s $503/mo.  Over the course of a 30 year loan that’s a $16,200 savings!  So do your homework.  Call me for a list of reputable lenders who will work for your business.  And let me handle negotiations to get you the best price on the home you’re buying.  It’s a win-win.