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IF OWNING A HOME is the American Dream, then why does obtaining a mortgage cause so many sleepless nights? For most people, the problem is lack of information. But now an online mortgage bro-ker called HomeShark (http://www.homeshark.com) is here to help explain the process - and even find you a cheaper loan. Start with the tu-torials to determine how expensive a house you can afford and decipher mortgage-speak. (Coming soon: a ""wizard'' to help you choose between, say, a 30-year fixed mortgage at 7.5 percent and an adjustable-rate loan starting at 5.5.) Then, if you want, procure a mortgage online - everything short of signing the paperwork. HomeShark encrypts sensitive financial data and promises to keep the information private. Log on - and toss the Sominex.