While you might think that the mortgage rate is the most important aspect of your loan shopping experience, there are several things to consider before jumping for the cheapest available. In this episode of Mortgage Secrets, John Downs of Downs Capital shares stories from his 17 years of experience in the mortgage lending industry to illustrate how numbers shouldn't be the only deciding factor in your loan decision. Signing up for a mortgage is a hefty commitment that goes beyond a monthly payment. You'll be starting a long-term relationship with a loan officer, so you'll want to make sure you pick the right one. This episode dives into what makes a loan officer worthy of your business—and friendship.