Question: What steps need to be taken into consideration when applying for a morgage? 

Answer: The loan officer will want to see a positive credit history, proof of income, job stability, and down payment information.  \n\nYou should not get the maximum amount of a mortgage for which you qualify.  Property taxes and insurance premiums can go up, and there are a lot of expenses associated with owning a home.  You want to stay under the maximum amount so that you have some breathing room in case you have unexpected expenses.
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