The minimum credit score required to qualify for a mortgage can vary depending on the lender and the type of loan you're applying for. Generally, conventional loans require a minimum credit score of around 620, while FHA loans may accept credit scores as low as 580. However, keep in mind that higher credit scores typically result in better loan terms and interest rates.

When applying for a mortgage, you'll typically need to provide documents such as pay stubs, W-2 forms, tax returns, bank statements, and identification documents like a driver's license or passport. Your lender may also request additional documents depending on your unique financial situation.

A fixed-rate mortgage has a constant interest rate and monthly payment throughout the life of the loan, providing stability and predictability. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that may change periodically, usually after an initial fixed-rate period. ARMs often start with lower interest rates but can increase over time based on market conditions.

The amount of down payment required to buy a home varies depending on the type of loan and your financial situation. Conventional loans typically require a down payment of at least 3% to 20% of the home's purchase price, while FHA loans may require as little as 3.5% down. Some loan programs, such as VA loans for eligible veterans and USDA loans for rural areas, offer 0% down payment options.

Yes, you can refinance your mortgage to potentially lower your monthly payments, reduce your interest rate, change your loan term, or tap into your home's equity. Refinancing involves replacing your existing mortgage with a new one, typically with different terms. Whether refinancing is beneficial for you depends on factors such as current interest rates, your financial goals, and how long you plan to stay in your home.