Mortgage financing is such an emotional process that consumers who have gone through it once never want to go through it again. First-time homebuyers, who have heard the horror stories of getting a loan, approach the process with great trepidation. But there are ways of communicating that almost guarantee sale of a mortgage product, whether to a traumatized homeowner seeking a refinancing or a home-equity loan or to a first-time homebuyer, said mortgage training specialist