Mortgage lending is pretty simple these days. All you want to know is the rate, the term, and the cost in terms of "points." The best way to get started on this process is to go online to www.GuaranteedRate.com and go through the simple comparison process there. That way you can see what's involved. Then if you want to go to a local bank or mortgage lender you can, but you'll see it's pretty easy to do online these days!