It's important to do your due diligence and shop before you apply for a loan. Start early to make sure you don't have surprises when you find the home of your dreams.

Doug also talks about getting a preapproval to make your offer even stronger and ways to ensure your credit doesn't take a dive by doing things you "think" should help your credit.

If you want to learn more about Doug Crouse or get a free copy of his book, check out www.DougCrouse.com.