One of the things you can consider when you are house hunting, is to get a pre-approved loan from the lender of your choice. This is essentially an in principle approval that a bank or financial institution gives a borrower after having judged your borrowing power. It is a statement from the bank saying that you are eligible to borrow a certain amount of money at a specific rate of interest after all the property requirements have been met.
The advantages of a pre-approved loan
Disadvantages of a pre-approved loan
Difficulties in getting a pre-approved loan
However, if you have a good credit score and all your other documents are in place, the bank may be willing to give you a pre-approval. Do bear in mind though, that you will be asked to resubmit all of these documents along with the property related papers when you are actually taking the loan.
All the disadvantages and difficulties notwithstanding, if all your documentation is in order and you have a fair idea about the kind of property you wish to own, a pre-approved loan is a good idea as it makes the actual borrowing process a tad easier.