When you are shopping around for a mortgage, don't wait around for the market to potentially improve, lock in that low rate as soon as possible. If you get greedy and wait too long, you may lose out on a full percentage point of savings or more - and if you use your trusty mortgage amortization calculator, you'll really see what this means to you in the long run. If you've developed a relationship with a mortgage broker, follow their advice. They want you to get the best deal possible so you'll come back to them in the future, so don't be afraid to be guided by expert advice.
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