Mortgage Process Guide
- Getting Started Mortgage Checklist
- What Can I Afford? Debt-to-Income Ratio for a Mortgage
- Lender & Mortgage Selection Mortgage Lender Options
- Processing & Closing Your Mortgage Settlement Agent Overview
The FREEandCLEAR Mortgage Process Guide makes the mortgage process more manageable by breaking it down step-by-step and providing you with the insight and tools to take control of the process. To get started, click "START SECTION" or click on a specific topic in the topic menu below. The FREEandCLEAR Mortgage Process Guide is interactive, allowing you to navigate from start to finish or skip ahead to a specific topic - simply click on the "Navigate Section" button at the top of any page to reveal the topic menu. We also offer a printer friendly version of our Mortgage Process Guide that you can download
The mortgage checklist below outlines the personal and financial documents most lenders require when you apply for a mortgage.
Credit Score Required for a Mortgage
Total Monthly Housing Expense When You Buy a Home
Mortgage Qualification Guidelines
Employment History Requirement for Mortgage
What Size Mortgage Can I Afford?
What Size Down Payment Do I Need to Buy a Home?
No / Low Down Payment and First-Time Home Buyer Mortgage Programs
How Much Home Can I Afford?
How Much Are Mortgage Closing Costs?
Get Pre-Approved for Your Mortgage
Mortgage Application Overview
How to Use the Loan Estimate
How to Compare Mortgage Proposals
What Mortgage Program is Right for Me?
What Length Mortgage Should I Choose?
Should You Pay Discount Points?
Should You Lock Your Mortgage Rate?
Title Report & Title Insurance for a Mortgage
Appraisal Report Overview
How to Use the Closing Disclosure
How to Compare the Closing Disclosure to the Loan Estimate
Mortgage Closing and Funding Process