You can refuse to take a blood test at a DUI stop. However, if the police find probable cause that you committed a crime, they can search you and your vehicle and/or place you under arrest. âProbable causeâ means that the officer has a reason to suspect that you committed a crime. Once you are placed under arrest, your consent to submit to a blood test is implied.
Applying for the Mortgage: Information Banks Want to Know. Completing a mortgage application can be an intimidating task, especially if the borrower is uncertain of what information will be needed. Here are some key factors that lenders consider during the application process: 1  Credit Report. The amount of a borrower's credit accounts can make a difference when applying for a mortgage. 2  Avoid closing current accounts or applying for new ones, as this can make the lender suspicious. 3  Down Payments. 4  The more money a borrower can afford to pay up front, the more likely they are to be approved.
The first step is to contact your local bank office to inform them that you are looking to buy a home and want to apply for a mortgage loan. Your housing counselor can normally help you with this step. The bank will then do the following: 1  Run a credit check.2  This is a checkup on your economic situation.hen people buy a home it is common to apply for a mortgage loan (when people want to borrow money from the bank to buy a home they apply for a mortgage loan) at the bank. Here's a typical scenario in which you decide to take out a mortgage. 1  You do not have enough money to pay for the home on your own.