A lower interest rate allows you to borrow more money than a high rate with the same monthly payment. Interest rates can fluctuate as you shop for a loan, so ask lenders if they offer a rate "lock-in" which guarantees a specific interest rate for a certain period of time. Remember that a lender must disclose the Annual Percentage Rate (APR) of a loan to you. The APR shows the cost of a mortgage loan by expressing it in terms of a yearly interest rate. It is generally higher than the interest rate because it also includes the cost of points, mortgage and other fees included in the loan.
If you have a ladder you carry around from project to project, it often takes a couple of tries to find the right spot to grab it so it balances in a horizontal position. To solve this trial-and-error handling, do this: Grab one side and adjust your hand until the ladder balances. Then put a dab of bright paint or tape on that spot. Then you will always know exactly where to grab the ladder to move it.