Ready to apply for a mortgage and start looking for your dream home? Let’s make sure you’ve navigated the first steps: understanding mortgage rates, learning the loan types, and reviewing the steps in the loan process. Now, you’re ready to apply for a mortgage and make an offer on your dream home. Sounds like a cause for celebration! But, before you pop the champagne and start with the redecorating ideas, let’s talk about The Do’s and Don’ts of applying for a mortgage and buying a home.