WASHINGTON -- For people about to lose their homes to foreclosure, the advertisements are like a lifeline: "WE BUY HOUSES FOR CA$H," or "Refinance Your Mortgage! In looking for the mortgage 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.