If you are thinking about buying a home, you'll need to learn as much as you can about shopping for mortgages. The mortgage is the key to getting a place that you can call your own, so you'll need to make sure it's as affordable as possible. To learn a bit more about finding a mortgage and what you can do to make the process straightforward, read below and apply these tips. 

#1: Work with a mortgage broker

When you want to get the most out of your mortgage, it pays to get in touch with a broker. A mortgage broker might be the difference between an expensive home that you have trouble affording and a dream home that fits right within your budget. By taking the time to reach out to a few brokers, you'll have access to the best rates, while also not having to do as much legwork on your own. You'll want to make sure that these brokers are certified so that you can trust their ability to work on your behalf and get you rates that are in line with your budget. When you meet the broker, you'll be able to let them know your goals ahead of time to carve out the best possible lending scenarios. 

#2: Research the types of mortgages available

Getting a mortgage is never a one-size-fits-all type of deal since there are many different versions you can shop for. The main types of mortgages you need to know about include fixed rate and adjustable rate. You may also shop between government issued loans and FHA loan programs. Many home buyers are also looking into HELOC loans, which also act as a line of credit when you purchase the house. By taking the time to find these different types of loans you'll be in a good position to get the lending that suits your situation. 

#3: Try to get the best rates

The key to home buying is to plan out as far in advance as possible so that you're able to lock in the most ideal rates. Wait until your credit is in order so that you have access to these rates and so that you don't lower your score unnecessarily through constant credit checks. You'll want to have your credit score at 620 or above before you begin shopping for a mortgage loan. 

Consider these three tips—working with a broker, looking into loan programs, and getting the best rates — so you can shop for the home you need while getting the most affordable mortgage.