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In the early 1990s, Canadian psychologists Paul Hewett and Gordon Flett laid out what they described as three types or. Government-backed home loans can help people buy a house with no money down, but of course, there are some trade-offs. Choosing the right type of mortgage is one of the most important things you can do, as a home buyer.

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But just because a lender accepts your application doesn’t mean it’s the right deal for you. Since you’ll likely be saddled with this mortgage for years to come, it’s important to make sure you shop around and choose the best mortgage lender for your needs. Here are five tips for picking the right mortgage lender.