"If you're shopping for a mortgage these days, it's a whole new world out there.
'There have been a huge number of changes over the past few years in mortgage borrowing,' said Gibran Nicholas, founder of the CMPS Institute, which trains and certifies mortgage advisors.
Of course, many of the subprime loans that helped fuel the housing boom - those that didn't require borrowers to show any proof of income, or that let homeowners make minimum payments - are are simply no longer available."
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Mortgage borrowing today: What you need to know
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