<human>:  What is the process of applying for a mortgage loan?
<bot>: The process of applying for a mortgage loan typically involves gathering financial and credit information, meeting with a lender to discuss loan options, submitting an application, and waiting for a response. Depending on the lender, the borrower may need to provide additional information or paperwork such as pay stubs, W2s, bank statements, proof of employment, and tax returns. The lender will then review the information and approve or deny the loan based on the borrower's credit worthiness.