The first important thing to do when purchasing a mortgage is proper planning and preparation. Mortgages bring a long commitment and the price will account for one of the biggest expenses you will have to pay. There are multiple important elements that can determine what you pay for mortgage such as: time of purchase, size of home, neighborhood, coverage, interest, and taxes. By researching your usda lenders Salt Lake City UT options, you will be more likely to find assistance with your mortgage that will help you choose the right plan that best suits your needs.