Mortgage rates hit historic lows today. I am in the process of refinancing my own home mortgage and thought I'd share how I go about shopping for rates. http://www.mortgagenewsdaily.com/ is the website I check to get an idea of what the lowest zero cost rates are in the marketplace. Mortgage News Daily publishes a daily mortgage rate survey collected from various loan orginators. Today's survey shows 3.04% for 30 year, 2.67% for 15 year, 2.75% for FHA 30 year, and 4.18% for Jumbo 30 year. Then I look at various websites online to see who is advertising rates at or below what Mortgage News Daily survey shows. I find Bank Rate, Zillow, Nerd Wallet, & Mortgage News Daily are the best website to comparision shop. I'll submit about 3 requests online to get quotes. I usually pick the loan orginator that is the cheapest and most responsive. Please feel free to reach out to me if you want the contact information of the loan agent I'm using.