Whatever you do, do it now. Rates are shooting up like crazy. I've had 2 rate increases a day from some lenders. Started last Thursday and hasn't let up. You can still do very well, but don't put it off. Shop, shop, shop. Rates as well as associated fees. Especially the origination & discount points. Call local brokers, they have access to different lenders and can shop it for you. I haven't seen a good online loan yet, but they may be out there.