As an experienced mortgage broker in Israel, especially to English speakers, I understand the situation that you are facing and your distress. There are many bureaucratic difficulties, language obstacles, the challenging Israeli mentality and culture, which can all make this process exhausting. There are many complex details in this process. Additionally, the field of mortgages in Israel is completely different from that in the United States. Unfortunately, many officials take advantage of the inexperience and lack of understanding of English speakers and Anglo-Saxon immigrants. They sell them mortgages which consist of very high rates.