(StatePoint) When searching for a new home, you may come across some conflicting information, especially about home financing or mortgage loans. Consider these six money tips to help you navigate the process.

Having great credit is certainly helpful, but not required. Homebuyer education and home loan financing programs are making it easier for homebuyers with a range of credit scores or limited credit history to obtain a loan. Find more tips and free education resources at wellsfargo.com/financial-education.

Keep in mind, some low down payment programs may require private mortgage insurance, which adds to the monthly payment and overall loan cost. You’ll need to add that into your debt-to-income consideration.

“Our intuitive, mobile-ready technology offers homebuyers choices in how they engage in the mortgage application process. Consumers have the option to complete an application online, and still have the opportunity to speak with a home mortgage consultant if they have questions. In many cases, house hunters can actually be pre-approved immediately,” says Liz Bryant, national sales manager for Wells Fargo Home Mortgage. “Digital services give prospective homebuyers the ability to navigate their mortgage application where and when they choose – relieving some of the pressure of making timely decisions.”

If you’re interested in starting an application for a home mortgage or refinancing an existing property, visit wellsfargo.com/mortgage.

For a smooth home-buying experience, it’s important to know your options, use programs designed to help you, and access services that streamline decision-making.