Home loan application is an application that is given to the financer or “Lender” to borrow money to buy a property. The best way to choose the home loan is to find a mortgage agent. A mortgage agent works for the borrower in true interest of the borrower and negotiates with 100’s of lenders on terms and conditions that suites your need and where borrower can repay back easily. “Mortgage Agent” does not charge any fee to the borrower in most cases. They are paid a small commission by the lenders.