Mortgage rates are rising. The 30 year fixed rate conventional mortgage is hovering around 5%. When shopping for a home loan, please understand that the cost of money is the cost of money. If the prevailing rate is 5% and a lender is offering you 4.625%, it's probably because they are charging you upfront fees called "points" or they are slipping it in as an "origination fee." Either way, it could add thousands of dollars in upfront costs to save a little on the monthly payment. Just remember to compare apples to apples. If you need basic help, I'm happy to review with you. If you'd like more expert help, I'm happy to refer you to a lender that will help you evaluate your offers. You'll either find that the deal you have is the best or you'll get something better.