Often the only factor people consider when choosing a mortgage lender is finding the lowest interest rate. Of course, financial considerations are critical and you certainly should consider the different rates lenders offer on comparable loans. But you also want a lender you can trust, and someone you can work with effectively. Here are some suggested steps to find a mortgage lender:

• Develop a list. Get referrals from family and friends who have bought or refinanced a home recently, review the newspaper's real estate or business section, or just consult your local phone book under "Mortgages."
• Talk to lenders. Call or visit the lenders on your list. This will give you an initial feel for what it will be like to work with them.
• Compare rates for similar loans.

Among the things you'll want to discuss with prospective lenders are the rates they offer on mortgages. But when comparing rates between lenders, be sure the rates are for comparable loans -- and remember to include fees and other costs

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