Mortgages today are not like they were when our parents or grandparents bought their homes. As most of us don't have the cash to buy a home outright, we need to borrow from a lender. There are a number of strategies you can use to get the best deal, pay it off more quickly and pay off the debt in the event of premature death.
Consider:Using a mortgage broker - The days of walking into the branch of one of the big banks to get a mortgage are over. There are now dozens of lenders competing for your mortgage business. A mortgage broker gets constant updates from all lenders and can get you the best deal at the time. And it doesn't cost you anything to use them. It makes sense to spend your time on more important things than shopping for a mortgage.