I'd love to see more examples of how credit is tightening. I've seen some crazy stories of over-tightening in the marketplace. 30% down, 60% LTV. Love to hear more. I'll reiterate that lending, at least private, is available, but perhaps at a steep price for lower scores.
What is the lowest credit score lenders will now consider for a fixed 30 yr. loan with 20% down?
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