The term “mortgage meltdown” has become so common — on TV, in headlines and in casual conversations — that you might assume that this is a tough time to get a mortgage.
But the reality is starkly different: Mortgage money is plentiful; the majority of mortgage products remain relatively unaffected by troubles in the subprime segment; […]

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What’s going on with appraisals? In some parts of the country, mortgage lenders — and appraisers themselves — say they’re increasingly coming in with valuations higher than the contract prices agreed to by sellers and buyers.

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