It is possible to have a difficult time getting a mortgage. One reason is that the application process for a mortgage can be complicated and time-consuming. To be eligible for a mortgage, you may need to have a high credit score and steady income. The current economic climate could make it more difficult to get a mortgage loan at a competitive interest rate. The difficulty of getting a mortgage depends on the individual's circumstances. Understanding the many factors that can make it difficult to secure a mortgage can help borrowers be more prepared.