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Term Length: The duration of the loan will impact your monthly payment. For example, the shorter the loan term, the more you're likely to pay each month. As you explore options, think about your down payment, your monthly budget and plan accordingly.

Fixed-Rate Mortgages: While fixed-rate loans offer a steady mortgage payment, they typically he a higher interest rate. As you weigh your options, you may want to ask yourself, "Is this my forever home, or just a place where I'll live for a few years?" That may help you determine if a fixed-rate loan is right for you.

Adjustable-rate Mortgage: While you'll likely pay a lower interest rate during the introductory period, your payment could increase quite a bit once this period ends—possibly hundreds of dollars a month. Rate caps limit the amount your interest rate can rise, but make sure you know what your maximum payment could be.