Getting a great deal on a mortgage rate requires some careful planning. Long before you ever think about buying a home, you should be getting your ducks in a row and ready for that major purchase. First, you want to check your credit report. Take the time to look over it and find out if there are any errors. Even a minor error can affect your score by a few points. Next, meet with various lenders to see who you’d have the better rate with. From there you can begin working on increasing your score. After you’ve gotten pre-approved, this is your chance to go and shop for a house. If you follow these steps, you’ll be better prepared for a mortgage that you can comfortably handle.