It Pays to Save
Many people are what we can call as financially-illiterate. They do not want to bother learning the basics of finance such as how much they can borrow at the best terms they can find. This is mostly due to a reluctance to expose their lack of knowledge of such basic things as mortgage rates and how these important things can affect their lives markedly over the long term.
However, there are ways around this. One is to approach a financial broker that takes your interest to heart, that is, protect you from unnecessarily high interest rates by taking the time to shop around for lower rates or better loan terms.