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The rate above reflects a 30-year fixed-rate loan for $150,000 in Texas.
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How to find the best mortgage rates

Before you begin searching for the best mortgage rates, you'll need to decide what type of loan meshes best with your financial goals.

While the most popular loans are 30-year fixed-rate loans, you may also want to consider the benefit of a shorter term mortgage loan, such as a 15-year or 20-year loan. And if you intend to sell your property within a few years, you might also consider a hybrid adjustable rate mortgage with a fixed initial period of five, seven or 10 years.

Mortgage loan numbers to know

In order to make a valid comparison of loan costs, you'll need to know more than just the interest rate. You'll need to know:

Whether the rate is fixed or adjustable Whether you need to pay points to get the rate, and, if so, how much The annual percentage rate (APR), w....

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