Once you know where the mortgage loan problems are, you can easily get around them.

Mortgages don’t have to be scary. After all, they’re just business transactions, albeit big ones.

Yet, a survey by mortgage website Freeandclear.com found that 75% of home loan applicants compared the mortgage loan process to an annual physical or a dentist visit. Yep, a credit check and a ton of paperwork scared them as much as flu shots, dental drills, and lectures on flossing.

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