Don’t be surprised if your friendly lender, the one who invites you to sit down and apply for a mortgage, ushers you politely out the door empty-handed after you’ve chatted a bit. The truth is that lending such large amounts of money is a risky business, and that money isn’t handed over to just anyone. Instead of yielding to shame, anger or any of the usual emotions associated with rejection, today’s consumers who are intent on buying or refinancing should adopt a pragmatic stance, since clear-eyed determination may eventually land them a loan.

Take control of your situation and learn what…

If you want to buy a home with the most benefits possible, you should go to Canada.  But if not, you can look around in your own country and state for programs offered by the government to make home buying easier and more affordable for you.

For instance, in Canada (yet again), home buyers can purchase their home with as little as 5% down.  Before, only first time home buyers were qualified to receive the discount, but now everyone—first time buyers and repeat buyers—can take advantage of this provided that they meet the criteria of the program.

All mortgages that are above…