Need advice on how to best research mortgage ratesWe are 1st time home buyers. Can anyone recommend best way to do reserach to find best mortgage rate? What do we need to ask potential lenders? Is it impossible to get under 5% now? Last week Astoria Federal had rates at 4.875%, now at 5.625% . Should we pay a mortgage broker to find best rate? Is it worth the $ and how much should that cost? Should we be cautious about going with lenders that are not big bank names like Chase, HSBC, Citibank, etc..Also- any special loans to look into to see if we qualify?May 28 2009 - Astoria00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.