These tips for getting a mortgage can help you to have a positive experience with applying for the largest loan you’ll probably ever have. Being preapproved makes the home buying process a lot easier, as it shows a seller that you can actually afford to buy their home. However, before doing that you should check your credit report, and resolve any errors. Determine what you can afford in terms of a home. It’s also worth making a start on getting paperwork together, which you’ll need, including bank statements, tax returns, W2 forms, landlord’s contact information, and records of any debts or assets. Not all mortgage lenders are the same, and finding the right lender and the right mortgage takes some work. Ask friends or family, or your chosen realtor for recommendations and always shop around; working with a reputable lender can make the process much easier.