Mortgage application process might become clumsy for the one who are completely new to home loans and mortgage business. The mortgage process always starts with couple of questions and big decisions. Most of the questions that come in first are “Where to start from?” ” How much loan can I borrow?” "Can I get a home loan?" etc.  A mortgage lenders criterion says that they won’t lend more than four times the applicant’s annual income. So, if you earn $20,000 than you can borrow up to $80,000.Timeline and documents need for the application might be different from the lenders to lenders.

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