Interest rates are low, but it's still hard to get a mortgage

 

http://www.latimes.com/business/realestate/la-fi-harney-20120930,0,242678.story

Lenders' underwriting standards appear to be tightening even further in some key areas, and the time to close a loan is getting longer.

At Fannie Mae and Freddie Mac, the dominant players in the conventional mortgage market, the average FICO score was even higher. For refinancings in August, the average approved borrower had a 769 FICO score, up 6 points from August 2011. The average score for borrowers purchasing homes was 763, 1 point higher than the year before.

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