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How to Apply for a Home Loan and the Mortgage Application Process

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Helpful Hints for Navigating the Home Loan Process


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For most folks the purchase of a home is the largest financial transaction they will undertake in their lifetime. At the same time that it can be enjoyable and rewarding, it can also be stressful, confusing and intimidating, especially for first time home buyers. Navigating the myriad of mortgage forms and applications, negotiating and closing, and finally moving into the new property, are all a part of the process that, if done properly, can be most enjoyable. However, if not approached in the proper manner it all can become a monumental burden.

Unfamiliarity with the mortgage loan application process can be intimidating to the point that you may feel overwhelmed by the terminology, the different types of home loans and how this will all impact your investment. By educating yourself by learning as much as you can about real estate and the home loan process, so that you can bolster your confidence and allow yourself to negotiate a mortgage loan to your best long-term advantage.

The following information is intended to help you, help yourself.

The First Step in the Mortgage Loan Application Process Is the Interview

Selecting a mortgage lender is in some ways very much like choosing the real estate you wish to purchase. It will involve shopping around, doing some research and then analyzing all the different criteria to arrive at a final decision.

Once you have chosen the lending institution that you feel best suits your needs you will need to arrange a meeting with a mortgage loan representative to discuss:

  1. The types of mortgage loans available.
  2. The requirements of each loan type.
  3. The rates, fees and costs associated with each loan type.
  4. The verification and documentation required by you.
  5. Your overall credit history, debt service and ability to satisfy additional credit if it is granted.
  6. If refinancing, or purchasing an additional property, your current mortgage loan/loans status will also need to be discussed and factored in.

By the time you go for a meeting with the mortgage lender you should have already made yourself fully aware of the local interest rates, fees and closing costs associated with purchasing a property of the type, and in the local you have selected. If not, you are doing yourself a disservice and you will be putting yourself at a disadvantage.

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