There have been drastic changes in the mortgage field over the past few years. Along with these changes, potential mortgage clients often lack basic information about the mortgage process. Those who previously obtained a mortgage easily may be unprepared for the stricter guidelines, while those who never applied for a mortgage before may have the notion that it is an impossible process. This is what this book is all about... The information provided herein will educate both types of people so that they should know what they need to do in order to obtain a mortgage with ease. "This book is a vital tool that can help you navigate the mortgage process with peace of mind."