Amanda Oboza Published 8:47 a.m. ET March 8, 2018         

There are a lot of mortgage myths out there, so it is important to talk to the experts and get all the facts.(Photo: Getty Images/iStockphoto)

Most first-time homebuyers are excited for the house hunt, but not so keen on the most important step...obtaining a mortgage. The experience can be perceived as complicated and stressful, especially by first time buyers. Luckily there are local experts to guide you through every step of the way and help you avoid mistakes.

Tim Whelan, home loan specialist with Churchill Mortgage, says there are three phases of the mortgage process where things can potentially go wrong — shopping, contract, and after closing. The good…

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