The old days of just calling your lender and going by the bank and signing your name for a mortgage are long gone! If you haven't applied for a mortgage in a few years, you'd be surprised at how things have changed. New rules and regulations in the mortgage industry can cause stress and anxiety for those in this situation to the point where they might say, "You need what? You've got to be kidding me?"

Mortgage Application changes in 2014

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