What you need to get a mortgage is by no means obvious: Do you just show up at a bank with a checkbook and a smile? Hardly! Mortgages aren't handed out to just anyone, but require a lengthy screening process. Just so you know everything you need to bring to the table, here's a guide on how to please the lending gods so they deem you worthy of receiving a huge pile of cash...and what to do if you haven't covered these bases quite yet so you'll pass muster soon enough. Let's jump in! Here are the essentials:

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