Diane Yu remembers getting her first mortgage vividly because it was terrifying.
“I was born in China, English is my second language, and I didn’t even know what questions to ask,” she said. “It was such a big, daunting task and I was very scared. I didn’t even understand credit reports or credit history. It was (and is) actually a frightening experience: You have no idea whether you’re going to get approval until the very last minute.”
