Let's be real: the words "mortgage application" probably don't fill you with joy. They're more likely to conjure images of endless paperwork, confusing financial jargon, and a feeling of being stuck in a long, bureaucratic queue. It's the final, and often most intimidating, hurdle in the great race to homeownership in Kenya. But what if we told you it doesn't have to be a nightmare? What if it's more like...