What's the best way to go about shopping for a lower rate? My wife and I are thinking of getting a few quotes from several banks in our area. What are some typical "traps" to avoid? What are the basic info, say a bank, that's required from my wife and I? We don't want to give "too much" info. Also, If Bank #1 has already pulled my credit report, does is affect my credit rating if Bank #2 also checks my credit report? Thanks in advance for the help.