Never walk into a BANK and apply for a loan. Use one, or better, a number of mortgage brokers. Make a spreadsheet. Add in all garbage fees. Estimate the life

Never walk into a BANK and apply for a loan. Use one, or better, a number of mortgage brokers. Make a spreadsheet. Add in all garbage fees. Estimate the life of the loan. Now calculate real APR. Points and garbage fees dominate if you’re going to sell or refinance in a few years.