Attorney's Office announced Thursday.St. Louis — Three people, including a father and son, have been indicted in a mortgage fraud scheme that cost lenders about $1.5 million, the U.S. To get the best mortgage rate, it's always a good idea to shop around. A mortgage is just like any other product and its price and terms may be negotiable. When shopping for the best mortgage rate, it is most likely that a comparison of costs is involved. Looking for the best mortgage rate may save you thousands of dollars.