Unless you feel happy with your mortgage, don't take it. This is the motto the New York home mortgage likes to publish and distribute. Sometimes it works and at other times you can feel disappointed. Nevertheless it's true to say that the New York home mortgage is pretty reliable and satisfactory for most loan takers. Naturally you'll find the run of miserable home builders who found they have been tricked into something they never really wanted. And perhaps they're right and perhaps they're wrong. There's no point in arguing this point here.