What about saving more money first and starting with a smaller mortgage?

节省下更多的钱，从一笔较小的的抵押贷款开始又如何？

youdao

By spending less money on mortgage, you'll be saving more time.

在房屋按揭上花钱更少，就可以节省更多时间。

youdao

But the reality is you have another mortgage payment due, and not enough money in the bank.

但是在现实中，你有抵押贷款到期要付，可又没有足够的银行存款。

youdao

Of course, banks would be reluctant to do it by themselves, but the government's coming with a checkbook to write the money, so they can make the mortgage, and guarantees it.

当然,银行不愿亲自操刀,但是政府带着大量拨款来了,由他们发放抵押贷款,并给予担保

耶鲁公开课 - 金融市场课程节选

For example, if there's a homeowner who you've lent money to and the homeowner is defaulting on the mortgage, the homeowner might wreck the house -that happens all the time -or they might steal things from it.

比如,如果你贷款给一个房主,但是他违约不还贷,并可能在房子里搞破坏,这种事情经常发生,他们还可能会从房子里偷东西

耶鲁公开课 - 金融市场课程节选

All this extra mortgage money flowing into housing gave birth to the housing bubble.

FORBES: President Obama Offers A Repeat Of His Same Failed Policies

Easy loan money fuels tuition increases just as the easy availability of mortgage money boosts housing prices.

FORBES: Magazine Article

Look at apartments, which not too long ago were dogs because folks preferred to buy homes with cheap mortgage money then available.

FORBES: Shopping For Bargains