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Over the past few years mortgages and home loans have taken quite a roller coaster ride. As the housing boom accelerated rapidly in the 2005 rush, many lenders became too lax in their policies and lent money to individuals with dubious credit.

Once the housing market slowed down, the flaws in these lending practices became apparent (see the Bear Sterns crisis).

So what does this mean to you, the home borrower? Well, right now it's more difficult to get a loan, especially if you have bad credit. But it's still possible to get the financed if you apply through the right channels.

To get the best mortgage rate possible, go direct. Currently we recommend Bank Rate or Yahoo.

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