No, getting a mortgage, or refinancing one, is not what it was five years ago! Since the subprime-mortgage conflagration, the bar has been raised on qualifying for a mortgage…higher credit scores, lower debt-to-income ratios, etc.! But, people are getting mortgages every day, so it certainly can be done! Check out Holden Lewis’s slide show for Bankrate.com, 10 tips to snag a mortgage in 2011. If there is a category in which you are not up to snuff, start working on it now, and before you know it, you will qualify for a mortgage! And remember, you don’t need a 740 credit score to get a mortgage…trust me! If your biggest problem is your credit scores, check out our past blogs on how to raise yours. A loan officer is also a terrific source of advice on how to get where you want to be, and we can recommend numerous terrific, honest loan officers.