The last time I needed to take out a mortgage, it was 28 years ago. My memory is fuzzy on the details and my Dad was around to give me pointers. This time I am on my own. Where do I start? I'm thinking going directly to the bank and not involving a middle man. I saw ING online had offers for a good rate for a mortgage...filled out enough to read the fine print. Its only good for your primary residence. We are looking to buy a second home. It is for 'sale by owner', so there's no real estate person to guide me. I'd appreciate hearing about your experiences to give me an idea of what to do next. Thanks friends.