1. Everyone is entitled to get a free credit score report per year. You can Google it online 2. Check banks' websites for the current rates. Rates may differ from bank to bank. When you talk to the bank's mortgage department, you may provide them with your current credit score, and let them give you an estimate based on that score. 3. Take closing cost into consideration -- the APR rate is what you should be looking at, not just the interest rate 3. Make sure you get quotes/estimates from several lenders for comparison. Again, don't forget to compare closing cost.