You may even gain additional [tag]mortgage interest tax deductions[/tag], further reducing your monthly housing expenditures. Work with a knowledgeable and experienced mortgage broker. Going through a broker may reduce your â€œtotal cost of moneyâ€ by allowing you to buy the loan rate down. There are also generally many more loan programs available from brokers than are from a bank. Most importantly, if you have any past credit issues, you can do better finding a loan through a broker. Finally, work with a seasoned real estate agent. As our mortgage money markets worsen, housing inventory will be more readily available, and at better prices. We are already seeing a slowdown in existing home sales and your [tag]real estate agent[/tag] may have better luck finding an affordable home or getting sellers to contribute to your loan costs.