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What should you look out for?
Google "mortgage types".
@UKTone wrote:What should you look out for?
Yes there are differences between loans and loan types.
Compare closing costs as well as interest rates.
Compare mortgage insurance costs, if applicable.
Compare terms - length of loan.
There are many different types of mortgages. They are generally catagorized under conforming and non-conforming; government or conventional. There are also private loans, construction type loans (for remodels and new construction).
Lenders have their own guidelines and they will change their qualifying guidelines when their portfolios have too much of one type of loan. This is done routinely and has nothing to do with a particular consumer.
Comparing interest rates without comparing costs is doing only half the job. You need to compare all the terms of each loan so you know exactly what you are getting. I have seen recently where stated income type mortgages are coming back in a limited way - but the rates are much higher. For some people it is a good trade off, but not for the general public. The loan has to work for you and your specific purpose.