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1. Know what you need. When you apply for a mortgage, most lenders will want a standard package of materials.
How to apply for a mortgage. Once you find a home that meets your preferences, needs and budget (and the seller accepts your offer, of course!), it’s time to apply for your loan. You’ll need to select a lender and complete an application. Depending on the lender, you may be able to apply in person, by phone or online.
· How long does it take to close on a house?. When you give a mortgage application to your lender, it’s either completed in-person, by telephone, online, or via an app.