Free online tools can help (c) Monkey Business/stock.Adobe.comTake advantage of online tools to ensure you get the right mortgage for your circumstances. ■ StatePoint Media Ample bedrooms and bathrooms? Check. A roomy kitchen? Check. A nice-sized backyard, storage space in the attic and just the right amount of curb appeal? Check, check and check. Once you’ve found your perfect home, the next step is finding the right mortgage–which can sometimes feel like you’re competing in a contact sport, being blindsided by confusing requests or financial surprises as you go through the application process. According to the U.S. Census Bureau, 63.7 percent of Americans own their home. But getting there wasn’t necessarily

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