Have you seen your mortgage credit? Go to www.goliveloans.com and click on Step 1. Here is a link to a new service where you can access your mortgage credit report and view it along with your required FACTA Notice. ... 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.