Fort Lauderdale Sun-Sentinel - In some parts of California lately, nearly 50 percent of home sales come from foreclosed houses. Then last summer's credit crunch forced lenders to tighten ... sales also can make it tougher for borrowers to refinance into more affordable loans if ...... In looking for the that's right for you, make your choice based on the best mortgage terms a lender can offer you. Don't settle for anything else. If possible, you can ask for mortgage advice from experts, real estate agents, and even your friends who have recently bought a home.