Why mortgage rates are never what you expect

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By Hal Bundrick

Shopping mortgage rates is a bit like trying to buy a new car that has five different sticker prices on the window. You know that you won’t end up paying any of those prices, but you have no idea which one is even close to what you’ll pay.

Here’s how to get a real mortgage rate.

Put a few details into an online mortgage rate tool and see what happens: You get a page full of results with dozens of different interest rates. You’re certainly not going to pick the highest rate shown, but how do you know whether the lowest rate is the real deal?

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