Determining it may not be as simple as you think

Some would think a rate sheet would make mortgage-shopping process  easy. All you have to do is scroll through the list and find the company  with the lowest rate, right? After all, pretty much every mortgage is the same? All you need to do is find the best rate?

It's not quite that easy. Not all mortgages are created equal. Behind each of those rates is a set of terms and conditions that affect the price of the mortgage, quite often more than the interest rate itself.