Even smaller companies that offer good rates are often too busy to provide more than minimal attention. So be aware that if and when you find the best rate, you probably will be on the short end of service. This is not necessarily bad, it is just something you have to deal with if you are after a good rate. All the more essential for you to know what to do along the way in order to get the best deal. Most mortgage companies offer a variety of loans with built-in advantages and disadvantages.
Some types of loans have better rates than others.
To get the best rate and most desirable loan features for your circumstance, you need to qualify based on your finances and credit. As a first step, order a copy of your credit report and review it for errors. Remember that one-third of all credit reports are estimated to have inaccuracies. If you find mistakes, get them fixed. Then, before applying, call more than one lender and ask what type of loan is best for you.