Buying a home is one of the biggest emotional and financial decisions. So it's rated as one of the most exciting and stressful times in one's life. Because there are a lot of things to think about such as mortgage term, location, affordability, and rate etc.  Also, there are quite few people who you need to deal with:  lender, lawyer, real estate agent, seller etc. Fortunately, these days you are provided with a number of tools to make buying a home an easier and more enjoyable process, one of those is the pre-approved mortgage certificate.