For Americans who are a bit gun-shy about borrowing money, CNN Money and Fortune have a great article on the ongoing trend of peer-to-peer lending.

In other words, if you can't get the interest rate you want from a bank, ask your cash-rich buddy to become your mortgage lender.

Will it work? It's hard to say. They always claim it's best never to lend money to a friend. But in today's world your buddy may offer a better interest rate. Still, that's doubtful in today's low-interest rate environment.

Click here to read more.