Knowing that there are a lot of institutions to help you be financially stable is not enough. They could give you the money you need and provide you with packages that seems just right for you. However, they are doing their part solely because they want you to get a loan from them. Inasmuch as they all are ready to help you, you should also do your part and research some basic information about them.
The best thing you could do is to look for firms or banks that offer lower mortgage rates than the others. Truly it would be hard to know but you could ask for brokers that have wide range of knowledge in the lending market such as Invis to help you in finding the right firm for you. This is a part of their job so it would be wise to give them the part of searching banks or companies that offer lower rates and then you decide which among the banks or firms you would choose. Even if it seems that all the work is done by your broker, the first task should be done by you, and it is to make sure that you have good credit background. You would not have so many options if you have a bad credit history because there are less than a few lending firms who would accept a client that could not handle his credits well. You could also lower the rates by means of increasing your down payment by at least 20% and by negotiating well. Inasmuch as forecasts have been proven to be false most of the time, it would still be wise to be updated on the current mortgage rate so as for you to be informed with what influences the rates. This way, you would still have an idea of what is going on and you could still understand the situation even if you do not have your broker with you.