Most people who purchase a home today do so with financing, so that usually means they are getting a real estate mortgage. Following the housing and mortgage crisis this fall, getting a real estate mortgage can be tricky and the process has become more daunting. Gone are the days when you could get a mortgage with little or no down payment. With record foreclosures occurring, banks and other lenders are more cautious about lending money to prospective homebuyers. You can still find a mortgage, but you will have to try multiple sources and make sure your personal finances are in order before you do.