I built a house a few years back and found the best option was to meet several banks and chat with them. Ask them for different options. Then take it away and go with the one you and your wife are the most comfortable with.
FYI, my biggest problem was not with the mortgage but it was with the builder....... as a word of advice make sure you watch all details very closely. I know a bunch of people that have found lots of problems...
i.e. Window in the wrong spot / Bad paint job / wrong drive way width etc....
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