If you were to find out the mortgage rates in Philadelphia, you could either call up some mortgage broker/lender in Philadelphia or visit their office personally or drop them a letter. However, getting the mortgage rates in Philadelphia would not be good enough, since mortgage rates in isolation would not mean anything. As such asking just for mortgage rates in Philadelphia would be more or less meaningless. You should not ask just the mortgage rates in Philadelphia, but the complete mortgage offers in Philadelphia. One efficient way of obtaining mortgage rates in Philadelphia is through the internet.

Websites online make it really easy to get multiple mortgage offers in a very short period of time. Moreover, with the facility of online mortgage calculations, using these sites for getting mortgage offers and for doing mortgage calculations makes even more sense. 

So, instead of asking the vague question about the mortgage interest rates in Philadelphia, you should ask about complete mortgage offers in Philadelphia. Whether you visit a websites online or you personally contact a mortgage broker or mortgage lender, you should always have the requirements available before hand and clearly stated. Moreover, you don’t want to lose time in contacting a mortgage broker or mortgage lender twice just because you didn’t have the complete requirements available with you the first time. So you should do your homework before you approach a website or a mortgage broker/ lender; lest you end up losing time which is very precious as such.