It’s a huge part of the American dream: owning a home — and there’s a very good chance you’ll need to get a mortgage in order to buy your new digs. But the process of applying for a mortgage isn’t exactly a piece of cake. Luckily, Credit.com’s experts are committed to helping you understand the home-buying & financing process, including mortgages, so that you can make smarter decisions. We’ve pulled together answers to your important mortgage questions, including tips on how to approach shopping for a home loan as well as how to get the best rates & deals. Learn how to select a mortgage lender & real estate agent, negotiate the best price, and pinpoint the best time for refinancing. Plus, understand how mortgage decisions can affect your credit score. You can use our free credit report snapshot, along with two free credit scores, updated every 14 days, to find out where you stand.