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The first thing that you need to do is to save enough money for the down payment. The bigger the down payment, the better. Lenders would probably be happy to offer you with the lowest interest rate if you borrow as little money as possible. If you can pay 40per cent down payment or even more, that would be a lot better.
Pay attention to your credit report. At least six months before you apply for a mortgage, check your credit report. This is the most important information that lenders will take into consideration not just in determining your interest rate, but also in rejecting or approving your loan.
Provide accurate information. Never try to mislead lenders by offering them with false information. Believe me, this will do you more harm than good.
Shop and compare. Take the time to check out as many lenders as possible. Compare not just their interest rates but also the amount they charge for other fees.