There are at least two ways to find low mortgage loans with a low rate. The easiest is to perform an online search of low rate mortgage lenders in your area. The other way is to ask a bank or other lender for information on their mortgage loan rates.
When you search online, find a search engine that you are comfortable with and limit your search to mortgage lenders that are near you. You will want to limit your choices so that you can find someone who understands the local market. Look at the loan rates and compare them to the cost for the loan. Then contact at least three lenders before making a decision. Once you have researched competitive rates and costs, ask a bank or other mortgage lender for information about their mortgage loan rates. Ask if the rate that they quote you represents the lowest mortgage rate available. Take a look at overall costs closely because many times your local lenders will have better costs and comparable rates.