What happens next?

How to get preapproved for a mortgage
Check your credit reports for free.
You are entitled to review your credit report from each of the three main credit companies once a year for no cost. If you want a copy of your report more frequently, you will have to pay a fee.
But even that fee is worth spending if necessary to buy a house. To get your free credit report, visit www.annualcreditreport.com.