Getting a mortgage is tough whether it is your first time through the process or your fifth. Mortgages have always included many obstacles and hoops to jump through before you get to the finish line and that finish line has only moved further away with the housing and financial crisis in the United States. Because banks have been giving out mortgages to people that couldn’t actually afford them for more than a decade, housing prices became unreasonably high and those same people eventually could no longer pay their loans. Now with millions of residential and commercial properties empty or in foreclosure the banks have made it extremely difficult for people to get a new mortgage. If you are one of the lucky few that can afford a mortgage however, you simply cannot do it without the help of a financial company or consultant. The expertise these mortgage brokers bring is invaluable and will keep you from making a mistake when it comes to choosing your next mortgage whether it be for a residential or commercial property. Our financial services directory on mortgages will explain how the state and federal governments mandate mortgages and how you initially apply for one. You will also find resources that explain how to find out what you can afford, how to choice a mortgage provider and how to find out how much your property will be worth in the next decade. Our directory even includes links to mortgage providers locally, nationally and global to make your financial decision an easy one.