You might have an idea of the loan payment and mortgage you can afford, but will the bank agree? It's always best to pre-qualify for a home mortgage so you know exactly how much a financial institution would be willing to lend you.
Some lenders, especially mortgage brokers, charge a loan origination fee.This is the mortgage company's fee for securing financing for you. This fee varies from lender to lender and is (or should be) negotiable based on the amount of work the lender has done for you.
If you are buying a home, you need to know exactly what you are getting. Whether you are buying or selling a home, you should have a professional home inspection performed.