Most people applying for a loan for the first time do not realize how their paying habits, employment history, ability to save money, etc. affect their ability to qualify for a loan. Well I would like to tell you it really isn't exhaustive, but it is AND the completion of the application form is probably one of the MOST important documents you will complete for the lending institution. Complete this application form as completely and accurately as you can. Provide all the details it requires such as employment address', bank address',', debt account address',', etc. And in some cases, especially when this is some confusion with the paper work versus what was added on the loan application, the Loan Underwriter may require additional verification.
Lenders are in the business to make solid loans to qualified borrowers.
As each person is different so is the qualifying process for that person. Be patient and supply the documentation required as quickly as you can. Review the Determining your Credit Grade , FICO Scores , and Bankruptcy sections to obtain a better understanding on how your paying habits impact your loan qualification. The Loan Process section explains the loan process in great detail from beginning to end. This is a good source to help you to become comfortable with the process and help ease frustration and anxiety.