Table of contents The relief of approval The lack of a true fiduciary A weakened regulatory environment There’s no way around it: Getting a mortgage to buy a home is complex and time-consuming — about as enjoyable as doing your taxes. Lenders need to know seemingly everything about your finances before writing a check for hundreds of thousands of dollars to help you buy a home. But hey, at least the process ensures you get the best loan for your circumstances, right? Unfortunately no.