First-time home buyers may feel overwhelmed by the process of applying for a mortgage. However, the process of (1)............... money to buy a house is not very complicated. First, you will have to fill out a form giving information about your financial situation. You need to show that you have a good income. It is also important not to have a lot of (2)................ If you already owe a lot of money, the bank may hesitate to lend you more. Then, you will have to make a (3)................ usually about 10 percent of the total price of the house. The bank lends you the rest of the money for the purchase.