Once your offer has been accepted, it's now time to arrange financing. Become familiar with the mortgage lending process so that you can negotiate best financing option with the lender.

1. Understand Mortgage Products
   summary review of the mortgage loan options that you have that will fit your financing objectives and budget
   
   arrange financing: mortgage loan options
   
   
   
2. Review the Mortgage Lending Process
   use our 12-step mortgage lending plan to understand what's needed to apply and qualify for home financing:
   
   view the 12-step mortgage lending plan
   
   
   
3. Learn to Negotiate Rates
   your lender (or mortgage broker) will use the terms "mortgage rates" and "points". Understand what these terms mean and how to best negotiate rates and points to your advantage:
   
   view negotiating mortgage rates
   
   
   
4. Items Needed for the Mortgage Application
   review the information you will need to complete the mortgage application. Most mortgage lenders use an uniform application form that collects required information to make a lending decision:
   
   review mortgage application requirements
   
   

For Support:

• download this home buying steps
  pamphlet as a support and reference file