Federal officials in Miami announced charges Monday against 31 people accused of participating in a scheme to illegally obtain mortgage loans worth roughly $14 million. Prosecutors said the group's leaders secured inflated loans for the ... 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.