Besides your credit score and the other five qualifications you must meet to finance a real estate mortgage loan, you need to gather papers and documents. Speed up your financing and make your life easier. Organize your papers into a three-ring binder or file system. You won’t need all of the documentation listed below. However, the more information you gather, the more likely you will be to get the best loan rates. Keep in mind that all of these documents may not be needed for all types of loans.

If you are under a mountain of bills that you just can't seem to get a hold on, there is a way out. If you have equity in your home, you can refinance you current mortgage for debt consolidation. Here's how: