If you've applied for a mortgage recently, you know how hard it can be. The bank demands all kinds of obscure documents and wants proof of almost every asset you own. But an innovative mortgage program halfway around the world will evaluate your application without any extra documentation — and if you're approved, it will give you a 15-year fixed-rate mortgage. There's just one catch: The mortgages are only for low-income people in Cambodia. The program is a throwback to the days when bankers got to know their customers — and trusted them. Sriv Keng and her husband are prime examples of the people who are applying for these special mortgages. Until several weeks ago, they lived on the fringes of Phnom Penh, the capital of Cambodia. Their home wasn't a house, but a long corrugated metal shack that they shared with another family. It sits at the side of a field choked with green algae and trash. The shack's uneven and lumpy floor is made of hard-packed dirt. There is no indoor plumbing,
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