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With banks now following strict underwriting requirements and with the prime rate expected to rise over the next few years, now is probably the right time to take a closer look at fixed rate mortgages over the variable or adjustable counterparts.

Many borrowers have already considered fixed rate mortgages. And not just because of our current economic climate. Some people simply prefer fixed rate mortgages due to the benefits they offer. Still, many are wary about getting the “best deal.” Here, we discuss some of things you can do to ensure you find the best fixed rate mortgages out there.

1. Ask around. Ask friends, family members and colleagues for financial institutions that offer great rates. You may be surprised to find that your local bank has an even better rate than the national bank that you’ve belonged to for many years.

2. Never settle for the first offer or so that gets presented to you. Do your homework and shop around, even if it means taking a few days to do so. This research can be as simple as surfing a few websites that focus entirely on mortgages where you can locate regional and national rate averages. Doing so will not only let you know whether you are being presented with a fair deal, but can literally save you tens of thousands of dollars over the term of your mortgage.

3. Consider paying points. If you want to make sure you get the lowest rate possible or if you want to lock in a lower mortgage payment, paying points at closing will allow you to do so. While this requires an up-front payment, if you have the means to do so it will allow you to enjoy the benefits of a lower payment and/or much-lower interest costs over the term.

Ultimately, you will need to do a bit of research. This can be as elaborate or as simple as you like but will undoubtedly save you tens of thousands of dollars over the course of your term. Not only will you be satisfied with the rate you receive, but you will actually be proud of the mortgage you have!