What are the top ten mistakes homeowners make in their home mortgage?

i would add





1. not asking for good faith estimate


2. not shopping around among a few lendersWhat are the top ten mistakes homeowners make in their home mortgage?
1. First paying to much for a house


2. Paying origination fees


3. Not having the seller pay closing costs


4. Not shopping around on rates


5. Not interviewing the mortgage guy, you need someone professional


6. Not reviewing the HUD-1 statement one week before closing


7. Not paying more down on the principle every month


8. Borrowing more than they should


9. Not factoring in new assessed taxes into payment that will hit you 12 months later


10. The best one, doing ESCROW and giving free money to your lender.