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There are a few things you need to have ready before you apply for a mortgage, including a large enough deposit. So it is important to compare mortgages online, do your research, budget accordingly.

Typically, when you apply for a mortgage at a bank, a human representative is available to help you. The same doesn’t always apply to online lenders where you may need to spend precious minutes on hold to get help. However, don’t assume you won’t wait to talk to a person at your bank and/or be able to do so without an appointment.

If you apply in person at a bank or mortgage company, plan on taking all of these documents. Your lender can usually submit your paperwork online directly to the VA and obtain your certificate for.

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