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Buying a home is one of the most exciting, intimidating and rewarding milestones many of us will achieve in our lifetime. If you’ve spent countless hours daydreaming about the perfect house you’ll want to prove you’re an attractive candidate so you can get pre-approved for a mortgage loan.

Once approved, you’ll be able to pick the loan that’s right for you, establish how much money you’re able to borrow, and estimate what you can expect for a monthly payment. You’ll also be seen as a serious buyer in the eyes of sellers and real estate agents.

If you’re ready to start shopping for a new home, it’s time to get serious about applying for a mortgage loan. Here are four factors your lender will consider during the mortgage approval process, and some tips on how you can increase your chances of getting approved.

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