The Mortgage Process includes a series of steps such as the pre-qualification, Mortgage Programs which include the Rates, application process, Loan Estimate, Intent to Proceed, Processing, Required Documents, Credit Reports, Appraisal Basics, Underwriting, Closing Disclosure, Closing, and Summation. Initially, the Pre-Qualification starts the loan process. Once the lender has gathered all the data about the income and the debts; the determination can be done successfully. Once the loan programs can cause a list of unique valuations the borrower gets the pre-qualified statement. There are two major factors in order to approve the home buyers for the concerned amount of the mortgage. Initially, the person’s capability is to repay the loan; and then the person’s willingness to return back. It is important to know that each and every applicant is totally handled on a small scenario of the case by case analysis. Generally, the mortgage companies could not stay up in the organization if the loan business is not generated properly.