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First time homeowner and getting a mortgage?
Check with you local bank where you have an account. Sometimes they can offer a discount that results in a good rate.  I just refinanced a month ago with Bank Of America and their rates were very competitive.  What set them aside from the rest was their low closing fees. Otherwise I would shop around on bankrate.com and it will show you results of both local and online mortgage brokers.  It will list the rates and expected fees.  The also list an average national rate so you can compare the rate you are considering and see if there could be a better deal elsewhere.