---
title: Mortgage Shopping 101
description: mortgage, mortgage shopping, shopping for a mortgage
image: https://blog.amerihopealliance.com/hs-fs/hub/161513/file-299230275.jpg
---

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## Mortgage Shopping 101

\[fa icon="clock-o"\] Tuesday, September 17, 2013  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [mortgage fraud](https://blog.amerihopealliance.com/blog/topic/mortgage-fraud), [mortgage modification](https://blog.amerihopealliance.com/blog/topic/mortgage-modification), [Scam Alert](https://blog.amerihopealliance.com/blog/topic/scam-alert), [mortgage shopping,](https://blog.amerihopealliance.com/blog/topic/mortgage-shopping), [lenders](https://blog.amerihopealliance.com/blog/topic/lenders)

### **Mortgage Shopping 101**

##### **Making Sense of the Mortgage Market**

##### ![woman-with-shopping-bags-and-credit-card1-1](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-299230275.jpg?width=365&name=file-299230275.jpg)

**Shopping for a mortgage can be time-consuming and difficult for homebuyers**, especially in today’s market where many buyers don’t know where to begin. The Federal Reserve Board has put together the following tips so that you can make sense of the mortgage market and be sure you are getting the [mortgage](https://blog.amerihopealliance.com/blog/mortgage-basics-understanding-the-lingo) that is right for you.

**1. Know what you can afford.** Review your monthly spending plan to estimate what you can afford to pay for a home, including the mortgage, property taxes, insurance, and monthly maintenance and utilities. A worksheet for developing your monthly spending plan can be helpful so that you can plan ahead and save for emergencies as well as be sure you will be able to afford your monthly payments for several years. Be sure to check your [credit report](https://blog.amerihopealliance.com/blog/bid/306512/Understanding-Improving-Your-Credit-Profile) to make sure that the information in it is accurate.

**2. Shop around**—compare loans from lenders and brokers. Shopping takes time and energy, but not shopping around can cost you thousands of dollars. You can get a mortgage loan from mortgage lenders or mortgage brokers. Brokers arrange mortgage loans with a lender rather than lend money directly; in other words, brokers sell you a loan from a lender. Neither lenders nor brokers have to find the best loan for you—to find the best loan, you have to do the shopping

**3. Understand loan prices and fees.** Many consumers accept the first loan they are offered and don’t realize that they may be able to get a better loan. On any given day, lenders and brokers may offer different interest rates and fees to different consumers for the same loan, even when those consumers have the same loan qualifications. Keep in mind that lenders and brokers also consider the profit they receive if you agree to the terms of a loan with higher fees, higher points, or a higher interest rate. Shopping around is your best way to avoid more expensive loans.![shopping-for-mortgage-lender1-207x300](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-298241382.jpg?width=185&name=file-298241382.jpg)

**4. Know the risks and benefits of loan options.** Mortgages have many features—some have fixed interest rates and some have adjustable rates; some have payment adjustments; on some you pay only the interest on the loan for a while and then you pay down the principal (the loan amount); some charge you a penalty for paying the loan off early; and some have a large payment due at the end of the loan (a balloon payment). Consider all mortgage features, the APR (annual percentage rate), and the settlement costs. Ask your lender to calculate how much your monthly payments could be a year from now, and 5 or 10 years from now.

**5. Get advice from trusted sources.** A mortgage loan is one of the most complex, most expensive financial commitments you will ever assume- it’s okay to ask for help. Talk with a trusted housing counselor or a real estate attorney that you hire to review your documents before you sign them.

[Reprinted](http://newsletter.rismedia.com/news/view/10424/) with permission from [RISMedia](http://rismedia.com). ©2013. All rights reserved.

 

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#### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)

Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes.

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### About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

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Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time.

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