Inflation can be especially damaging to both active home buyers and homeowners looking to refinance because. When the everyday "Cost of Living" increases, our dollars don't go as far as they used to. ...Economists call this inflation. 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.