Unless you're paying cash for the home, you'll need a mortgage.  In fact, your seller will want to see either a preapproval letter from a lender, or in the case of a cash deal, proof of funds to make the purchase.

Years ago my sister gave me a "wise saying":  "If you haven't considered more than one, you haven't made a choice."  That's as true with mortgages as anything else.

Especially if you have not mortgage shopped in the last few years, much has changed and you may inadvertantely make a serious mistake just out of innocence of the process.  The "Top Seven" mistakes are in this article