Millions of homes are financed each year and millions more are refinanced, a process that routinely leaves consumers dazed, weary, and paying more than they should. For more than a decade The Common-Sense Mortgage has been a consumer staple, used by borrowers nationwide to find better home loan terms and lower costs. Written in plain language, clearly organized, and filled with tables and examples, The Common-Sense Mortgage shows how the lending system works, reviews dozens of individual programs, and raises the questions consumers should ask.