Probably the single most important thing to know before you get a mortgage, is, What will be my total monthly cost? That is hard to know in advance when you deal with mortgage professionals since their main goal is only to sell the mortgage as quickly as possible. If you ask too many questions and don't get the right answers, you may decide it is not time to buy, and there goes the mortgage brokers commission. Ask yourself the questions before you start to work with a professional, do your research and know what your total cost will be. ~Lois