NC- Besides the RATE, the variable versus fixed-rate decision is important. Select a mortgage allowing lump sum payments throughout the year for big savings. Selling? Seek to port your mortgage with you or give your buyer the opportunity to assume it without penalty at your current rate, term and loan amount. Flexibility to allow a missed payment at least once yearly and to pay it back at your convenience is desirable. Great customer service begins at your first inquiry continuing through the mortgage funding process and entire term. The best mortgage combines a great rate, great pre-payment features and great service.