You want that mortgage and you know it will take some work. But why waste your time on things that do not count? When it comes to home loan mortgage tips, spend your time as wisely as you spend your money.

Copy your complete tax returns for the past two or three years minimum. Copy every page. They will want every single page. Leave nothing out. If you added a cover page when you sent it to the tax people, copy that too. Every page for the past two or three years. No excuses. They will accept nothing less.

Copies of your paychecks from the past two or three months are also needed. If you are near tax time, these are even more important. You want the prospective lender to know beyond a doubt you did not get laid off last month.

Have a record of your bank balance and savings balance that is dated within 24 hours of your mortgage meeting. You can get it online. If it is only hours old, even better.

How is your credit rating? Check it before you even approach a lender. If it is good, take a copy with you. They will check it themselves but it looks good. If your numbers are bad, you may be out of luck.

Just because you have the five or ten or even 20 percent down payment, do not expect to skip the above steps. If you thought loans were hard to get last year, this year is no different.

Get a letter from your bank or savings or credit union that tells how much they would be willing to lend you. It is not a guarantee or qualification. But, it does look good to potential lenders.

This will not give you an automatic loan. It will, however, inspire confidence when negotiating with a seller and Realtor. You want to present an absolutely infallible picture to everyone who is involved with your purchase.

Ask your Real Estate Agent to find out if the lender has any specific requirements you may not have addressed. This is not always known ahead of time. But if it is a finance company he or she has worked with before, they may know of some other requirements.

Now you are about as ready as is possible. You have what is absolutely required. If you have followed these home loan mortgage tips you can meet with any financial company with conviction. But remember, no matter how well prepared you are, patience will be needed. There is almost always no more piece of information needed.

Are you trying to get a home mortgage? We have some home mortgage tips. These home loan mortgage tips will be sure to help you out and get you on the right track to a new home.