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mortgage application

Applying online for a mortgage application can be a smart thing to do. You can usually get lower interest rates than from a local bank.

Filling out the application is only the start. You will then be asked to supply contact information and shortly there after, mortgage brokers and lenders will contact you asking for your business. If you decide to go with a specific mortgage broker, the lender will need documentation pertaining to your personal finances--your earnings, your monthly expenses, and your debts--to help determine your willingness and ability to repay the mortgage.

Mortgage lenders also will check out your file at the credit bureau to see if you pay your bills on time or not. A mortgage broker may reject your application if the credit report shows that you have a poor credit history. So you may want to make sure your credit file is accurate before you apply for your mortgage. You can apply for a free credit report from our affiliate site. You have a right to know what information is contained in your credit report and to have someone from the credit bureau help you understand what the report says. The names of credit bureaus can be found in the phone book.