Buying your first home is an overwhelming experience. You hear all kinds of experience. You hear all kinds of jargon, and you're faced with a million choices. Because your home is such an important purchase, you want to do things right. This section highlights some of the topics that apply to your credit and your mortgage loan. By preparing yourself and your credit, you can make the process much less stressful and much less expensive. Instead of scrambling for less expensive. Instead of scrambling for a loan that you can live with, you can negotiate for the loan you deserve.