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Understand the mortgage application process

Create a budget and start saving
- Save money for your down payment
- Calculate how much you can afford using our mortgage affordability calculator
- Budget an extra 2 to 4% of the purchase price for closing and other costs
Check your credit history
A healthy credit score can improve your chances of getting a mortgage.

What lenders look for
- Established credit history
- Stable source of income
- Debt-to-income ratio
Gather all required documents
Your mortgage specialist will let you know what documents to provide. They can include proof of income, down payment and finances, among others.

What you'll receive
Your mortgage specialist will reach out to you and provide a mortgage commitment letter. They'll also outline any remaining details.
Things to do before closing
- Review all loan documents, forms and paperwork
- Make sure you have money saved for closing costs
- Meet with your lawyer to sign any final documents
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