When you shop for a mortgage, remember that the interest rate changes daily and is largely determined by the market for mortgage bonds, not by the originator of your mortgage. So, shop with closing costs and service in mind. Develop trust with your loan originator, then work with the person you chose to lock the market rate at the appropriate time.
The interest rate changes daily and the costs you can determine by shopping are really something altogether different. Amy Hoak of MarketWatch.com explains why in this useful article.
When you're ready to shop for a mortgage, we recommend using a local Flagstaff mortgage lender who knows the issues that can arise with Flagstaff real estate. Here are our currently recommended Flagstaff mortgage lenders.