Piles of paperwork, additional lending fees and too many terms to count. Applying for a mortgage can be an overwhelming experience. In this confusing and pressure-filled process, it’s easy to make mistakes. Here are some common ones that lenders and mortgage brokers see, and what you can do to prevent them.

Not checking your credit Before even applying for a mortgage, you need to obtain copies of your credit report and your FICO credit score. Doing this at least six months in advance should give you plenty of time to challenge any errors on your report and ensure that they’re removed by the time you’re ready to apply for a loan. Not getting pre-approved for a loan It’s important to realize that being “pre-qualified” is not the same as being “pre-approved.” Pre-qualification is where a lender tells you how much money you probably can borrow based on your financial situation. Getting pre-approval, by contrast, is a much more detailed process and involves actually applying for a loan.

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