Are there more people inquiring about obtaining financing?Recently I have noticed a flurry of posts by would be buyers seeking home loans. Typically the questions are of the following types:1. Low credit score - can I get a loan?2. Low or no down payment - can I get a loan?3. Previous bankruptcy/foreclosure/short sale - can I get a loan?Moreover the responses appear to suggest that credit standards are being loosened to accommodate such situations . Are standards really lowered? Or is something else going on (e.g., creative financing options - 40 year loans, hard money loans, etc)Also, are we repeating the mistakes of 5 years ago when lax standards lead to the home price meltdown in 2007/2008?November 19 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.