text: you have to call around to shop for a good rate.  some agents will try take advantage of you because you are new to this...so they quote you a higher rate so they get more commission.  make sure you talk to a couple of agents before you decide to go with someone.\n\ni am a loan agent myself so i know how they work.\n\nif you do not want to go to a loan agent, go directly to a bank of credit union\n\n...but i suggest going through a loan agent because we work for a broker who has access to hundreds of lenders who can offer more competetive pricing versus to just one bank.\n\nif you have more questions, feel free to ask...\n\ndont forget, you are not obligated to go through that person just because they gave you a quote.