Mortgages can be tougher to get these days and one can make things even more complicated by having incomplete or little information about pre approval mortgage. Those credit standards might have become relaxed a bit, but they are still on and it is tough to maintain a good credit score. Call fairway loan officers and they will tell you about score of those applicants who get denied. Most of the loan providers are denying mortgages even to those people with very good credit score. The right way to begin is to look for a trusted Fairway Mortgage contact who can educate you on the procedures and help make for an easier way to getting that mortgage to buy your dream home.