You have found the perfect house. You and the owner have agreed on a price and the terms. Now comes the hard part. You need to find the money to pay for it. This search for a home mortgage loan can be a harrowing experience and the home mortgage loan industry has its pitfalls, to be sure. But arm yourself with as much information you can gather and you will soon enjoy baking on the granite countertops or creating masterpieces in the workshop out back.