First Buy Mortgage Comparison [ EXTENDED › ]

Use this checklist when reviewing "Loan Estimates" from different lenders:

When using a comparison tool or worksheet, focus on these critical metrics: first buy mortgage comparison

This is the most accurate way to compare costs because it includes both the interest rate and lender fees. Use this checklist when reviewing "Loan Estimates" from

First-time buyers often qualify for specialized programs like FHA loans (3.5% down), VA loans (0% down for veterans), or USDA loans for rural properties. VA loans (0% down for veterans)

Look beyond the monthly payment to compare origination charges, appraisal fees, and lender credits, which can vary significantly between offers.