A mortgage is a loan that allows you to borrow enough money to buy a home. The alternative to getting a mortgage is to pay for your home with cash. So unless you have enough cash for a home, you will need to get a mortgage. Here at APR Mortgage we’ve taken the guesswork out of trying to figure out whether you will qualify for a loan. We navigate the government’s new lending standards to help you make sense of them and map them to your situation.