Getting mortgage approval requires jumping through the hoops set forth by the mortgage lender which usually includes a completed credit application, the accepted offer documents, certification of income, and sometimes a personal financial statement. Mortgage approval comes with an offer that includes an interest rate for the loan. This rate will be partly based on the borrower's credit rating. In order to increase the chances for mortgage approval, there are several things prospective buyers can do. This consists of making sure all documents are complete and information is accurate, checking their credit reports before applying to inspect them for any bad marks or inaccuracies, paying off outstanding debts if possible to increase their available income for a mortgage payment. Mortgage approval is dependent on the borrower's information and the mortgage brokers or lender's situation. The lender's funds might be low with only cream of the crop deals being accepted.