One of the best tools you have to find the best mortgages in the USA rates if your home computer. You do not want to waste time and using your computer can provide you with great information. The first thing you want to do is to begin learning about your options in a mortgage. Not all mortgage plans are the same and you should know the difference.You should know the difference between a fixed rate and a variable. When you understand the difference, you will be able to choose which type of mortgages in the USA can meet your needs the best. When you are armed with knowledge, you will be in a much better position to make the decisions that can greatly affect your future.There are many great advantages to a fixed loan that you should explore. This can provide more security in a mortgage each month especially if you are on a very strict budget. You will be protected if rates increase and this will not affect your payment. This is a very desirable mortgage option and one that you might consider.With a variable rate there are also advantages and disadvantages involved. If you choose a variable mortgage and interest rates dip, this will reflect in your payment. Your payment will be lower and this is something that you will not experience with a fixed rate. If you choose a fixed rate, you will have to pay more then the current standard rate to lock in this interest rate. This might be a disadvantage.Finding the best home mortgages in the USA for Canadians rates can be much easier when you understand the options that are available to a homeowner. Your next home can be one that you are more satisfied with when you have a mortgage that you are actively involved in choosing.