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By Allie Garfinkle Senior Finance Reporter and author of Term SheetNovember 21, 2025, 6:54 AM ET Diane Yu remembers getting her first mortgage vividly because it was terrifying. “I was born in China, English is my second language, and I didn’t even know what questions to ask,” she said. “It was such a big, daunting task and I was very scared. I didn’t even understand credit reports or credit history. It was (and is) actually a frightening experience: You have no idea whether you’re going to get approval until the very last minute.” Yu—whose last company, FreeWheel, sold to Comcast in 2014—