21.   Long-term interest rates have risen sharply this year in Germany, making it more expensive for homebuyers to get mortgages and for businesses to get loans for expansion.

22.   Mortgage lenders often require prospective homeowners to buy a life policy before they can get a mortgage.

23.   Mortgages lenders often require prospective homeowners to buy a life policy before they can get a mortgage.

24.   Or they buy the policy, get the mortgage and then cancel the policy after a year.

25.   Phoenix has become a bright spot in getting mortgages to minorities.

26.   The ability to get a mortgage is based largely on income, creditworthiness and the amount of the down payment.

27.   The Federal Housing Administration and the Federal Home Loan Mortgage Corp. are planning a program that will help low-income Americans get mortgages faster.

28.   The new types of mortgage loans created in the past few years also make it easier to get a mortgage that fits your needs.

29.   The richest Mexicans, who least need loans and often prefer to pay cash, can sometimes get mortgages.

30.   Until then, many people could not get mortgages or improvement loans for houses built on land they did not own.