There are a few things you can do to improve your chances for a low interest rate.
Improve your credit score. The higher your credit score, the more creditworthy you seem to potential lenders, which could result in a lower interest rate.
Make a higher down payment. Putting down a larger down payment gives you more equity in the home, which, in turn, can lower your interest rate.
Purchase discount points. Points are upfront fees calculated as a percentage of your total loan amount and paid directly to the lender at closing in exchange for a reduced interest rate. You have the option to choose the number of points and how many you buy when discussing rate options with your home loan expert.