If you want a basic idea to try to calculate payments, you can always look on bankrate.com. I wouldn't use the lowest rate posted, but the one that is the most commonly quoted. They are notorious for having people, who are advertisers, give low rates then bait and switch. Rates are only good the minute they are quoted, because in a volatile market there could be a rate change at any time. If you are trying to figure out what you can afford, I would consider using a rate .5% higher than you see, to make sure that you still qualify once you find a house. We never know where rates are going to go.
Rates are indeed lower than they ever were. Make sure that in the mix the closing costs are in line.
When comparing banks it would not be a bad idea to look at credit unions who may meet the challenge and beat out the rest.
A good credit is more than a blessing. It is your reflection of being a conservative and a wise consumer.
Congratulations for being an example to follow.
To get the best rate around you need to shop around. This web-site, http://www.mtgprofessor.com/home.aspx, is a great place to start. The gentleman has taken the time to lay out all the steps you should go through in order to receive the best rate on your loan. However I would not waste much time as rates will begin to rise in the near future,
Have a great day,