Getting a home loan these days is not for the faint of heart. Mortgage interest rates have more than doubled from the salad days of 3% back in 2021, and as of this writing, we’re sitting at an average rate of 6.78% for a 30-year fixed-rate loan (per Freddie Mac). On top of the higher rates, you have so many options to choose from when it comes to mortgage types and even mortgage terms. And that’s not even considering how many mortgage lenders are out there. How are you supposed to know which is right for you?

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