Today's stricter lending environment means that processing a mortgage application is more complex than ever, given the number of steps that lender, underwriters, and mortgage insurers must all complete before home buyers truly have their financing in place.
To help ensure the process goes smoother, you can also take steps of your own. It's a good idea to discuss the process with your Accredited Buyer's Representative (ABR), even before shopping for homes. By planning ahead, you'll be in a much better position to negotiate and move forward on a purchase and avoid any unpleasant surprises regarding your mortgage. 
  1. Evaluate Affordability
  2. Discuss Your Options
  3. Interview Lenders
  4. Get Pre Approved
  5. Commit to a Lender
For more information, consult your Accredited Buyer's Representative.