A mortgageimplies a lot of responsibility, getting a loanfor a long period of time, usually even up to 30 years. Having such coststo manage, you have to choose one wisely. There are different types of mortgagesand you might not know which one suits you best. Also, some people have been rejectedby banks and they might have a lowcredit score. They tend to lose hope, thinking they can never get a house, but this is not the end, as there are manylenders that have flexible conditions.