Mortgages are a costly affair, so much so, they’re our most significant monthly expense. It’s no wonder then that many try to improve their mortgage rates, which can be done through several means. For instance, you can improve your credit score or lower the ratio between your debt and income. Alternatively, buying mortgage points is.

Getting a loan can be a long and frustrating process even when you don’t have a complex situation. While there are a lot of hoops to jump through, people often cause their own headaches. Here is a list of the most common self-inflicted wounds to avoid before and during your loan process. You simply cannot.