Ask yourself which is more important: the sales price or the mortgage?  Until now, you the sales price was most significant.
The mortgage is much more important.  Think about it. 90% of Americans purchase property with a mortgage.  When they buy a house, most of the necessary funds come from the lender.  They're not even buying the property with their own money.  What they bring to the table is a promise to pay for the mortgage, a relatively small amount of cash (5, 10, 20 percent?), and a reasonable history of managing their finances.  The bank pays the sales price.  They pay off the note.
Consider also that they only pay the sales price once when they buy the house.  In
comparison, they are paying off the debt on the mortgage every month.  Remember when you see your first Truth-In-Lending statement….you may be borrowing $100,000, but if you paid off the note over thirty years you will have paid the bank at least $250,000.
Why's this important to you?  You need to understand the significance of your
mortgage.

Tip:  Always apply for your loan before you find the house to buy.

When do most buyers in your area apply for a loan?  Is it just after they have
negotiated their purchase with the seller?  Do it differently, do it better.
Not only is the mortgage more important than the sales price, but the worst possible time to pick a lender and a loan is when most buyers do it!  After negotiating the sale with the seller, they are faced with multiple challenges:  several inspection
contingencies usually need to be satisfied (each of which is its own separate
negotiation); moving vans have to be hired; utilities have to be put in their name; the title report assessed; insurance company picked, etc….. 
Now that we know how important the mortgage is and when to apply for it, how do you get the best loan?  Presuming you know which loan they are interested in, e.g. a 30-year fixed-rate loan, a one-year adjustable, a 5/25, 7/23, FHA, VA, etc., how do you get the best deal?

Tip:  Always ask a potential lender the following questions:

What rate and points will you offer?
What is the annual percentage rate (APR)?
Tell me all the fees I will see from you between now and settlement.  I will not pay anything you do not tell me about right now.  Please send it to me in writing.

The first question is obvious and buyers usually know to ask about the interest rate and points.  A point is one percent of the loan amount.
In the event different lenders are calculating the APR in the same manner, the APR can help buyers compare apples to apples when considering different loans.  For example, presume the buyer is interested in a 30-year fixed-rate loan.  Are they better off with a loan at 7.125 percent, two and one-half points, and fees of $1500 or 7.25 percent, one and three-quarters points, and fees of $1275?
The APR is a federally-mandated calculation that turns all the fees, points, and
interest rates into one number: the annual percentage rate.
The third question is perhaps the most important question.  I think of it as the "no
surprises question".  This is what will ensure that buyers do not become victims of the bait and switch tactic.  With the bait and switch, the buyer is lured to bite on a loan that seems terrific due to the proposed interest rate and points.  The switch takes place, if you will, when the buyer arrives at settlement and finds that there are
multiple hidden fees that they never knew about ahead of time.
In my experience, serious lenders can often be negotiated down to similar rates and points, which means that the fees charged may determine which loan is least
expensive.  The fees can also be the area where lenders' flexibility can help a buyer most.