Key Takeaways Start with no-cost mortgage quotes to compare lenders on equal footing without fee confusion. The lowest no-cost rates help you build a shortlist of the most competitive lenders. You can then use that shortlist to explore different rate options and choose the structure that best fits your plans. Why Comparing Mortgage Rates Is Harder Than It Looks Mortgage rate shopping seems straightforward: Collect a few quotes, compare rates, and pick the lowest one. But in reality, it’s not that ...