find the names of the banks in your area and check out their websites most banks are now online for customer convience and if you navigate them you can find interests rates on just about anything..or just call you local banks and ask what the interest rates are they will be more than willing to tell you

I heard you can get a better deal through a mortgage broker, not directly from a bank. Brokers have access to rates and will shop for a better rate for you. Also, the rate that a bank offers to each client will differ from client to client depending on their credit history and a type of mortgage. My husband got the best rate from HSBC bank, but again it depends on each client.

Try to get a loan from USDA department of agriculture. this is a gevernment loan open to anyone but the absurdly wealthy,or really bad credit types, and it will adjust your mortgage payment so that you pay monthly only one third of your income. However, if you get a raise, you will stll have to pay a third of your new income. It is the best way to start out when buyinga home. You can always refinace after a few years with another bank, and that will give you plenty of time to do your homework.

By calling each bank, they’ll be more than happy to help you!!

eloan.com

ask the bank teller or go to there web site

You should pick up your yellow pages, look up bank, loan company, credit union and any other institution that loans money, not payday loan sharks. Call each one up and ask. When you find three or four that have better rates than the others, you should see what you can do to negotiate a lower rate. They all can go down several percentage points and still make a killing giving you a loan.

Watch your money very carefully when these people start talking to you about points. When you negotiate a lower rate they start telling you how you can buy into a lower interest rate by buying it down with points.

I know you asked how to do it on line but it has been my experience that those rates are much higher than what I have had to pay by talking face to face with a loan officer.

Good luck
Regards
Jon

If you go on one of the on-line mortgage finders, they will submit your preliminary financial info to several lending institutions and they will fight over you if your credit is good.

The rate (in most cases) depends on credit history and varies from situation to situation. You generaly won’t know the rate until they investigate your credit worthiness. Good luck!