Preparing to apply for a mortgage can be difficult, especially if you don't understand where to start. You can get a great start just from checking out these 5 terrific mortgage pointers for very first time home purchasers.

1. Pay down your debt.

Particularly, your credit card financial obligation. Why? Charge card debt is costly. The average rates of interest for charge card currently is 13.8%-- that's double the 5.33% average for a 30-year set rate mortgage. Charge card…