You may not really believe it that much, but your mortgage matters a lot. This is the most important purchase you will ever make, because it is the largest. Not paying attention to certain details when you go to get your mortgage is just like asking to be ripped off. Make sure that you give this subject the attention it deserves.
A few percentage points here or there matters a lot when we are talking about a long term loan like a mortgage. This is something that you will be paying on each month, and you have to make sure that you will always be able to afford to make those payments. If that is not something that will work out for you, then you are not getting the deal that you need out of your mortgage.
When going for the loan that you are going to get for your home, make sure that you have at least compared all of the different offers out there. There is no reason to get a mortgage from a particular bank simply because you happen to like them or know them well. It is far more important to get a mortgage from a particular bank because they are offering the best rates in the market.
Some have considered the idea that it might be best to go with banks that are newer to the scene than some others. They make this recommendation because they realize that newer banks are going to require your capital much more than some of the other banks out there. They need this money coming in, so they can sometimes offer you better rates on your mortgage. This may not be a bad idea to give a try, but there is no guarantee that it will work.
Just make sure that you do your home before getting your mortgage. This will obviously be an exciting time, but you need to keep a level head about everything that is going on. Always keep your money interests first.