Hello my name is John Liley. I have been a Mortgage Professional since 1994. One of the things that I have seen in all this time is that folks just sometimes don't know how to buy a home. Let's face it usually you ask your parents or a friend and you are blindly referred to someone that is hopefully professional and can help you. I would say that it's going to be a 50/50 chance that everything goes smoothly. They teach us all kinds of things in school for our futures, right? Did they ever r …