Standardize every quote
Ask lenders for the same loan type, term, down payment, credit assumptions, lock period, and points on the same day. Rates move, so quotes from different dates are not a clean comparison.
APR includes certain lender costs, but it is not a complete measure for every timeline. Compare cash to close and the break-even period for points if you may sell or refinance early.
Model the payment
Use principal and interest as a starting point, then add property tax, homeowners insurance, mortgage insurance, and association dues for a realistic housing payment.