Lawmakers clashed on how to deal with the lending crisis Thursday, as Senate Republicans blocked a Democratic bid to let bankruptcy courts ease the burden on borrowers who can't make their mortgage payments. 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.