Get pre-approved for your home mortgage -  When you're in the home buying market, it's become more important than ever to get pre-approved. Keep in mind that other buyers has gotten pre-approved. The pre-approval demonstrates your willingness to buy. In fact, it also show that you are ready and serious.

In addition, the pre-approval allows you to handle the home buying process with a bit of ease. Remember, you'll have to get an inspector, get an attorney and get all your paperwork together. It's easier with a loan in place.

Pre-approvals involve filling out a mortgage application before you begin to shop. It includes all your financial information such as salary, credit history and bank statements, and it establishes a target loan amount. Approvals take several days.