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When you buy a home, you’re in it for the long haul. You’ll have a mortgage payment for 15, 20 or 30 years, after all, so it’s smart to shop around to find the best mortgage lenders out there. Keep reading for tips on how to shop around.

Your mortgage constitutes the biggest, and perhaps most meaningful, financial transaction of your life.

You’ll watch your family grow over decades within its four walls, creating lasting memories that will transform your house a home. You’ll also shell out an obscene amount of money.

If you put 10 percent down on a $300,000 home with a 30-year fixed mortgage at 4.33 percent interest, you’ll owe nearly $213,000 in interest over the course of the loan.

That means (a bunch of) signatures on your mortgage contract will compel you to more than half a million dollars over the next three decades in exchange for a half acre of real estate.

And the clock is ticking. Home prices, thanks to an improving economy and lack of inventory, are rising, as are mortgage rates. The adaptable and nimble, ready to jump and with savings on hand, are best positioned to take advantage.