It is possible that while you want to buy a home, the whole thought of getting a mortgage is a bit overwhelming for you.  Especially when you consider all the negative news about the mortgage crisis, the sub-prime melt down and the whole global economic recession being largely blamed on mortgages and the mortgage industry. new home mortgage loan quote With all that negativity, it’s understandable that a first time home buyer might be a bit reluctant to jump in. A lender is going to want to see that you have a stable income. Your mortgage payment will be due every single month and if you haven’t proven that you can hold a job with predictable pay for at least a couple of years.