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Applying for a Loan

Qualifying for a loan

Your lender will make sure you are qualified for the loan you are seeking. You can help speed the loan process by responding quickly and accurately to any questions your lender has. It's important to be honest about any problems you've had with your credit or with other loans.

Within three business days of submitting your loan application, your lender is required by law to provide you with an estimate of the closing costs you will pay. This is called a good-faith estimate. Lenders are also required to give you the government publication A Home Buyer's Guide to Settlement Costs, which explains the types of expenses you will pay at the loan closing.