Interest rates are a floating variable from one day to the next and don't mean much of anything until the day you are ready to lock a deal (thus your interest rate) with a lender you choose. If you are using interest rates to shop or decide whether or not to buy, please stop immediately.
The interest rates that are quoted are usually the lowest rates and are only factual to someone with stellar credit. The lower your credit score the higher that quoted interest rate will be proportional to the risk the lender feels they are taking in lending you money for your purchase.
A better way to shop for loans and/or decide if now is an affordable time for you to purchase a new home would include: discount points, origination fee, pre-payment penalties, and any other fees the lender discloses are charged to you.
If you will do FHA financing the fees quoted by the lender on the Good Faith Estimate have a ZERO TOLERANCE, meaning they cannot change. One of those fees would be transfer tax. Keep these things on a list in front of you when speaking with lenders and compile a longer list as you hear fees they mention that you didn't know about. Ask them to explain the fees and if you have options with the fees, such as insurance, you can shop for you own insurance in most cases.
Also, you can check you credit free online annually from all three credit bureaus at http://www.AnnualCreditReport.com