Getting a Mortgage in today’s world. The good news is there are plenty of mortgages money available and a wide variety of products available with low rates. The documentation and details required in today’s mortgage market is the part that may try your patience. County Mortgage can help you navigate through the mortgage process. Ten years ago you could get a mortgage with out verifYing income. You could have bad credit and put no money down. Lending had very easy guidelines. At County Mortgage Services we did not originate many of these loans, but other lenders did. I said at the time that these loans would come back to hurt the mortgage market. The pendulum has swung way to the other side now, borrowers, lenders, banks, appraisers and all involved in the mortgage business have tighter guidelines with a lot more detail required. I think the pendulum will eventually settle in the middle with more relaxed common sense guidelines and documentation.