It's not always easy to find the best mortgage lenders. Getting a mortgage is a big decision, and I recommend doing plenty of research to find the best loan possible. Choose several lenders and compare the types of loans, interest rates, and what your estimated monthly payments would be. Another thing to evaluate with each lender is the amount you will owe for closing costs. Closing costs are 3-5% of the loan amount you will owe to close the deal. This can add up quickly depending on the purchase of your home. Good lenders should check on this and help find things like paying extra points to reduce closing costs. Plus, check with your realtor to see if you can get the seller to pick up a percentage as well. Even a little bit counts!