 TITLE: How to Shop for a Mortgage CONTENT: Shop Around for the Best Rates\n------------------------------\nIt's always ideal to shop around with mortgage lenders or brokers to get the best rates. This will require multiple lenders to access your credit report, which results in many credit pulls. However, most credit scoring models will group all the hard inquiries related to mortgages into one if you shop within a period of a couple of weeks.\nIf you're still not getting the rates you want, consider using a mortgage broker. They will shop your information around to a network of lenders who may be able to offer you more favorable loan terms. You may also secure a more competitive interest rate by providing a larger down payment. END