To find a mortgage lender, first take stock of your finances and decide what type of mortgage you need. Getting a preapproval ...

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How hard it is to get a mortgage depends on a lot of different factors. If you generally have good credit and a low debt-to-income ratio, you may have an easier time qualifying.

For example, if you're looking at a $300,000 mortgage with a 6.13% interest rate, purchasing one point would cost you $3,000 but could bring your rate down to approximately 5.88%.