1.  What factors will the lender consider when I apply for a mortgage?

2.  Will I be able to buy a home if I have a bad credit history?

3.  What kind of down payment will I have to come up with?

4.  How much will my closing costs be?

5.  What are discount points, and should I pay them?

6.  Is a fixed-rate or an adjustable-rate loan a better choice for me?

7.  What about locking the rate?

8.  What will be included in my mortgage payments?

9.  What is pre-approval?

10.  What is Private Mortgage Insurance?

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