We went through our thought proccess when buying our home, you can read all about it here.
my mom is keep on telling me to buy a condo.
This seems like a terrible idea. If this is not what YOU guys want, don’t buy anything.
Renting is perfectly fine and never feel rush to jump into real estate. Owning a house is a BIG deal and it is not something you do just because your parents think it’s a good idea.
hire a mortgage broker
Yes, brokers usually have better rates than the banks. You shouldn’t pay for one. They are usually free to use and get a cut from the mortgage lender. When we were comparing, the local broker was at 2.60% and our bank was offering 2.84%.