A mortgage is a loan that people use to buy a house. To get a mortgage Roseville, you work with a bank or other lender. Usually, early in the process, you go through a pre-approval to get an idea of the maximum amount the lender is willing to lend and the interest rate you will pay. This will help you estimate the cost of your loan and start your apartment search. Applying for a mortgage is an extensive process that involves many steps on your part. To get started, you will need proof of income, a list of assets, debts, reasons for requesting a loan, a broker’s statement, and a letter explaining the financial gifts Homeownership received with advances from members. family.