Buying a home is a huge step in life, and though they make it look so simple on TV, it is no easy feat. Especially if you're a freelancer. Since SD and I are both freelancers, this meant our home-buying process was a little more complicated and drawn out than "normal." For those of you who are thinking about and planning for buying a home at some point, here is an inside look at our process, with a few helpful tips thrown in for good measure!

Gather Financial Documents

The first step in our mortgage application process was to pull together several documents:

- Tax returns (last two years)
- W-2s (last year)
- Pay stubs (current year)
- All bank statements
- checking, savings (last two months)
- Investment accounts
- Roth, IRAs (last quarter)