Immigrants guide to homeownership in America Every buyer created equal? In today's subprime crisis and ARM-crisis-to-be environment people will laugh on this statement. Many potential buyers are suffering from new tough mortgage rules.  Happily, nothing really changed for recent immigrants. They are created equal, they are experiencing the same problems: lack of credit history or short history, lack of funds for down payment, confusion over the mortgage and other Real Estate terms, confusion over apparent language bareer, lack of experience, abundance of so called "advisors", mostly of not-so-successful or kind-of-jealous friends and relatives.  As an immigrant who left Russia for America 9 years ago, who earned Real Estate license 8 years ago and who started new multi-cultural, multi-l... 12/05/2007