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It's common knowledge that the first thing prospective buyers see when they arrive at your home may be the most important factor in determining whether they even bother walking in the door. It's known as curb appeal.
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The rate of residential home foreclosure filings dropped dramatically in April, down 14.3% from the previous month, according to Foreclosures.com. Still, year-to-date the foreclosure-filings rate is higher than the same period a year earlier.
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Mortgage lenders say they are tightening standards in response to pressure from mortgage insurers, investment banks and investors who buy mortgage-backed securities. Spooked by rising delinquencies, Wall Street is now pushing lenders to beef up their underwriting. Looser standards weren't much of a problem when home prices were climbing. But as the housing market has cooled, more borrowers are winding up in trouble.
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Are you considering a mortgage? Does news of tougher standards make you think twice about applying? We'd love to hear your thoughts and comments about this. Just click the "Comment" link below and tell us what you think.
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