Have you always wanted to buy a home but either thought you couldn't or were turned down? Then this is the book for you. Buying a home is the largest financial commitment that most Americans will ever make. It's exhilarating and scary all at the same time.While laws and government restrictions have made the mortgage process a lot less risky, they've made it far more cumbersome not only for the consumer, but also for the lenders. This book will guide you through the complexities of the mortgage process.Don't Take No for an Answer shows you how to leap home-buying hurdles and builds knowledge and confidence into your home-buying experience. This is one of few books of its kind that illustrates the most common problems through real-life examples and addresses how to overcome them. Topics include: Why buying is better than renting * Why a mortgage broker is better than a bank * How to buy a home with little to no money * How credit works and affects your ability to buy * Debt-to-income ratios and how they work * How much money you need to buy * What are the different property types and how they can affect your application * Why you should never take no for an answe