The
recent downturn in the real estate market combined with a sluggish
economy and high unemployment might cause a potential home buyer to
shy away from taking the leap to home ownership. Nightly newscasts
are ripe with horror stories about the difficulty of obtaining
credit, and it is accurate to say that banks have indeed tightened
their requirements. While it is true that the market for loans is not
as wide open as it was a few years ago, the...
