When seeking a mortgage loan, many applicants remain unaware of several crucial things. It is necessary to understand that a home loan application process is much different when compared to making a car loan application or renting an apartment. Tips to ensure a home mortgage loan approval Obtain some cash: Home mortgage loan requirements might change. When making a loan application, ensure having a sufficient amount of cash in hand. Without cash, chances are very high of your loan application getting rejected since a down payment will be essential. The minimum down payment amount is likely to be different based upon a variety of factors. It includes a type of mortgage loans fort worth applying for and a lender type. Review credit rating: Before making a home loan application, it will be wise to first review thoroughly your credit history. Many applicants go ahead with their application process assuming to have a high credit rating. Lower credit rating will only become a major hurdl