Start checking rates at Bankrate.com. Then shop your local banks and Credit Unions USAA has deals for Vet's if you are one. Most of all be aware of any penalties for early payoff or extra payments if you run into extra cash. Lastly, don't be afraid to re-finance if you find a better rate. My Daughter has re-financed multiple times and has saved thousands. If all equal, deal locally if you can.
