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You should have your taxes for the last few years, plus paperwork on your major assets, such as your 401K, stock portfolio, car, and current home mortgage. * Call your mortgage agent to give them the necessary information and give them permission to obtain your credit report. * Meet with your mortgage agent. During the meeting, the agent will show you the report he or she has written on you, and you will have a chance to correct mistakes, add additional information, and supply any missing paperwork. You should also discuss the mortgage in depth with your agent, clarifying anything at all that you don't understand.