Courtney McKnight

Avoid making any changes to your credit score before your loan closing. The lender may check your score right before closing. They may rescind their offer if you're trying to make new car payment or get a credit card that's new.

The rates banks post are simply a guideline.

A lot of lenders give customers that are loyal great rates and terms that only go to newer customers.

Keep in mind that a mortgage broker you deal with will receive a much bigger commission from a fixed rate over a variable rate loan. They may attempt to frighten you with tales of rate hikes to get on the hook. Avoid this fear by demanding your own terms.