Straight answers, no jargon

Mortgage basics

Financing, in five steps

1. Step 1

   Check credit

   Know your score and clean up errors before applying.

2. Step 2

   Gather documents

   Pay stubs, W-2s or returns, bank statements, ID.

3. Step 3

   Get pre-approved

   A letter that tells sellers you can perform.

4. Step 4

   Compare offers

   Rate, points, fees and lender responsiveness all matter.

5. Step 5

   Lock and close

   Lock your rate, clear conditions, fund and record.

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