Home loan question

I am in the process of buying a single house in NY. The 30-year fixed rate for home loan in Fangyuan loan information is 3.125% (around 400K).But I called a few local banks and they tell me the best rate is around 3.5% without buying points. So how can we find a good rate? Is loan broker helpful? A little confused. Anyone has similar experiences? 

所有跟帖： 

• 3.125% 的Rate 並不是without buying points 的Rate， 根據具體的州，有不同的point or -ddso- ♀ (207 bytes) () 11/15/2012 postreply 05:43:00

• Thanks a lot! -bigtree71- ♂ (0 bytes) () 11/15/2012 postreply 07:06:01