*Loan,banking and credit>>>bank loan

My husband and I are going to the bank to apply for a home loan. Any advice?

Is there anything I need to know? What do I need to be prepared for? It is our first home.

I am assuming you'll actually talk with someone when you go to the bank. In which case:

1) Make sure that your credit report has no funny stuff in there. (Credit cards you did not open, cars you did not buy, etc.)

2) Ask the loan officer these questions (listed in no particular order):

a) What will be the rate of interest?
b) Will there be a prepayment penalty?
c) Will the interest rate be variable or fixed? If variable, how often can it change.
d) What will be your approximate monthly payment?
e) What would be the life of your loan? (in years)
f) What happens if you refinance the loan?
g) What happens if you sell your house?
h) Are you qualified for any special offers? (sometimes, the higher your credit rating, the lower the interest rate and other terms you can get)

There are a bunch of other questions depending on your status and your particular situation. But those are the very basic things you should ask.

Know your credit score!!! Thats a huge factor!
Get a Snickers! Gonna be a while.
do not hesitate to ask alot of questions, even if you think the questions are dumb, better safe than sorry:)
Leave your husband.
good luck! be ready for credit checks on both of you, have your bills paid up and a hefty downpayment will help secure that loan
Talk to the loan officer before you go for the application and ask what documents he/she needs you to bring. This will speed up your application and make it a more pleasant experience. Good luck! :-)