You obvioulsy are new to the process. I would be more than happy to speak with you about the mortgage process. I do this all day long.
Basically, you take a simple application and then have your application and credit reviewed through an automated system. Depending on the strength of your credit, the amount of your down payment, and your income you will receive your approval or denial.
I promise you it is not as hard as it seems but it can be an art, not a science.
Don't hesitate to call.