Expressing an “intent to proceed” is another critical step in the home buying process that you need to decide after shopping and getting pre-approved by a few mortgage lenders. In simple terms, intending to proceed means that you’ve finally chosen a lender who you think offers you the most competitive rates. As a first-time homebuyer, there are things that you need to understand if you plan to proceed with your application with a particular lender because this will be the first time a lender will start charging you fees, other than a credit report fee.