The toughest restrictions are in markets where home prices are falling, though regions where property ...For new home buyers and those seeking to refinance, it can mean higher down payments and a higher bar for credit scores, among other requirements. Home mortgages may vary in features depending on the lending institution. One way to find the creditor with the most attractively priced loan is to look in your local newspaper and check to see if it publishes a shoppers' guide to home mortgage credit. These shoppers' guides are widely available and may be used to identify the lenders with low rates. However, basically, the way to find the best loan is to shop around.