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651.760.8364 An Eagan Mortgage Broker may help you get through the ins and outs of home mortgage qualification. There is no official schooling for this process. If asked the general way a mortgage works, a vast number would say that the mortgage company or the bank is supplying the borrower with a mortgage on their house. This is just not the scenario. In fact, the borrower is granting the lender a mortgage on the residence established by the “loan to value” that the homeowner is seeking.