The crisis in the financial markets could make it even tougher to get loans to buy cars or houses -- and the Federal Reserve didn't make things any easier by declining this week to lower interest rates. Looking for a home mortgage usually involves you, your money, and a bank officer or a mortgage broker. So what's the big deal? You ask. The end result is the same - you get a mortgage; you get a new house. But these two job types are different and it is important that you at least understand that difference.