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1. Not using a local Mortgage Company or Credit Union.

2. Getting a Mortgage "Pre-Qualification" Not a "Pre-Approval"

3. Assuming all Mortgage Products, Lender Rates & Terms are the Same

4. Putting "No Money" or a Small Amount of Money Down

5. Ignoring Your Credit history and Score

6.  Adding too much Debt, otherwise known as Debt to Income (DTI).

7. Skipping the Rate Lock

8. Waiting to Shop for Homeowner's Insurance. 

9. Opening Up New Credit lines before or after applying with a lender.

10. Neglecting to consider the True costs of owning a Home, Taxes, Home Maintenance, Sewer Bills and Utilities etc.

11. Sporadic Job History prior to Applying for a Loan.

12. Not paying attention to the fees associated with getting a Mortgage