11.   --New channels for obtaining mortgages, such as private-banking divisions that banks have set up to pamper their most profitable customers.

12.   Thanks to competition, the cost of obtaining a mortgage, the fees and points, are at historically low levels.

13.   The increased limit could help more people obtain mortgages because more mortgages would be eligible to be purchased by the two mortgage giants.

14.   The increased limits could help more people obtain mortgages because more mortgages would be eligible to be purchased by the two companies.

15.   The tenants association obtained a mortgage by stitching together federal, state and local funds.

16.   They can buy more goods and obtain mortgages.

17.   They have tried to get a job or obtain a mortgage, but have been blocked because of a stained credit file.

18.   They were able to obtain a mortgage and buy a house, and he has worked steadily as a furniture upholsterer and an occasional auto mechanic.

19.   Wealth and income play no role for borrowers obtaining reverse mortgages.

20.   But the development of a Western-style property market has been slowed by difficulties in obtaining mortgages and drawing up enforceable contracts.