Don Helm, 78, and his daughter Debbie never met the man who helped them get a $260,000 loan to refinance their home in Upper Greenlaw last year. To make sure that you're getting the best mortgage rate available in the market, it is important that you also obtain all information on important costs involved. Getting the best mortgage rate is knowing how much of a down payment you can afford. Aside from that, getting the best mortgage rate is knowing what is the interest rate of your loan.