Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind. But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again!

Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here's are a few "insider secrets" you need to be aware of.
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