A guy walks into a bar… and collapses on the ground with an enormous knot on his head. Isn’t that what getting a loan feels like sometimes? If you’ve been shopping for a mortgage, I bet you’ve felt like you’ve been hit in the head with a bar at least once. Do a quick internet search for home mortgages. Google alone returns 37,600,000 results. That’s nearly 37 million web pages based on home mortgages. Where does a sane person begin?

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