From the first step of using a mortgage calculator to actually beginning to look for a lender, home buyers don’t always know the right steps to take. The most common mistake I see buyers when shopping for a mortgage is getting quotes from a few different lenders over a period of days, weeks or even months. Since rates change daily, the only way to compare lenders on an even playing field is to get quotes from two or more banks on the same day. This will ensure an apples to apples comparison of fees. And don’t worry about getting your credit pulled more than once, your FiCO score considers all inquiries pulled within 45 days to be one single inquiry.