It's crucial to evaluate mortgage offers from several lenders while applying for one. Each lender will assess your financial status in their own unique way. Consequently, obtaining several estimates will enable you to select the offer with the best rate and costs. When comparing best home mortgage lenders, though, the interest rate isn't the only thing you need to take into account. Both interest rates and costs charged by different lenders can differ significantly. Therefore, if you are paying hefty upfront fees, the package with the lowest rate may not be the greatest option. Examine the Loan Estimate form that lenders are obligated to offer within three business days of receiving your application if you want to compare rates and costs.