{"id":135,"date":"2026-11-12T14:00:00","date_gmt":"2026-11-12T14:00:00","guid":{"rendered":"https:\/\/www.kimmarinloans.com\/blog\/?p=135"},"modified":"2026-11-12T14:00:00","modified_gmt":"2026-11-12T14:00:00","slug":"how-to-compare-mortgage-options-a-step-by-step-overview","status":"publish","type":"post","link":"https:\/\/www.kimmarinloans.com\/blog\/2026\/11\/12\/how-to-compare-mortgage-options-a-step-by-step-overview\/","title":{"rendered":"How to Compare Mortgage Options: A Step-By-Step Overview"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>To compare mortgage options, start by reviewing your income, debts, and debt-to-income ratio (some lenders may look for around 36%, but it varies). Learn common mortgage types (fixed, adjustable, FHA, VA, USDA, jumbo, or interest-only) and how they work. Check your credit score, think through a housing budget using general guidelines like the 28%-36% rule, and consider down payment choices (20% is often cited, but not required). When comparing offers, look at rates, fees, and APRs, and ask what factors may affect pricing and terms. Many buyers get a pre-approval before house hunting, then make an offer, schedule a home inspection, complete the loan application, go through underwriting, attend closing, and move in.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.fastexpert.com\/blog\/home-buyers-mortgages-at-lower-rates\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>To compare mortgage options, start by reviewing your income, debts, and debt-to-income ratio (some lenders may look for around 36%, but it varies). Learn common mortgage types (fixed, adjustable, FHA, VA, USDA, jumbo, or interest-only) and how they work. Check your credit score, think through a housing budget using general guidelines like the 28%-36% rule, [&hellip;]<\/p>\n","protected":false},"author":494,"featured_media":136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/posts\/135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/users\/494"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/comments?post=135"}],"version-history":[{"count":1,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/posts\/135\/revisions"}],"predecessor-version":[{"id":137,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/posts\/135\/revisions\/137"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/media\/136"}],"wp:attachment":[{"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/media?parent=135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/categories?post=135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kimmarinloans.com\/blog\/wp-json\/wp\/v2\/tags?post=135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}