Last week I reported the results of a mortgage shopping expedition, but did not say much about how I got those results. This article is about shopping technique. Most of it is simple. In a highly imperfect market, an investment in the time needed to shop effectively can pay large dividends.

Shop online: Lenders generally are prepared to deliver the prices they post online. Prices shown in printed media are obsolete when they are published, while quotes offered over the telephone are worthless.

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