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Are Lending Practices Changing Almost Every Week?

Example: 2 of my closings this year were FHA loans. Neither required termite (section 1) clearance. Things changed on April 1st. (how ironic) Even a traditional loan with 25% down and 800+ credit scores on a condo with a well maintained HOA is like pulling teeth. One would think that the banking institutions would want to make things smooth for the well qualified buyer. Question: Does anyone see any more changes in lending practices? Will it be better or worse?

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