Different lenders offer different programs and rates. Some programs may work better for you than others, dependent on your credit rating, down payment, income and other factors. Speaking to different lenders and comparing rates and programs can help you find the lender and loan that are right for you; just be sure to not have your credit score pulled repeatedly, as that can negatively impact your credit score. For additional information on choosing the best mortgage for you, check out the Consumer Financial Protection Bureau’s loan toolkit (PDF).