The more organized you are, the sooner you can get a loan commitment in hand. Shop for rates, link up with a lender, and follow these steps to streamline the loan application process:

• Order a copy of your credit report.
  Order a copy of your credit report. Your lender will also order a copy, but you should see it first. That way, you can clear up any credit problems before you submit your loan application. Check Your Credit takes you through this process step by step. If you find problems, start taking steps to fix them.
  
  
• Organize your recent tax returns and financial documents.
  The lender will need your financial information to determine how much you can borrow. If you don't have all the paperwork, you can get copies by contacting your tax-preparer and other people who deal with your personal finances. Check Loan Application Documents to make sure you have everything you need.
  
  
• Get contact information from your human resources department.
  Find out who is authorized to release information about your employment status. Provide the correct contact name and telephone number to the lender to avoid lengthy loan-processing delays.