The mortgage game has changed agreat deal and in a short period of time.Bargains and arrangements 2 years ago nolonger carry that same weight in savingstoday. CNNMoney.com suggests you thinktraditional. The housing market is cooling,so houses are sitting on the market longerand sellers are forced to compromise thesale—a phrase that rarely parted their lipsin the past. Be aware of the changes.Interest rates, while still historically low,have increased and are expected toincrease more. Adjustable rate mortgagesno longer offer enough savings to balancethe future risks. It's also important to considerannual percentage rates (APRs)along with the interest rates. The APR figureincludes points and upfront costs ofthe loan. CNNMoney.com suggests comparingrates at sites like Bankrate.com andHSH.com. Because the number of peoplegetting new loans has dropped 20%, takeadvantage of increased competitionbetween lenders.