Chicago Tribune - Now the Orlando couple has $16,791 in credit card debt and combined car payments that nearly equal their $800 mortgage bill each month. ... Because of the layoffs and some bad choices, we have huge debt," Terri, 45, wrote in a ... To get the best mortgage rates, you need to contact several lenders as each lender may differ in their price quotes. Getting the best mortgage rates out of your home loan can also be achieved with the help of a mortgage broker.