Rock-bottom interest rates should make mortgages plentiful and easy to get. That’s not the case.
With interest rates falling to the lowest level on record, this should be a banner time for households in search of a new mortgage.
It isn’t. Mortgage availability has tightened sharply as lenders impose tougher income, credit-score and down-payment conditions and drop some loan types altogether, such as home-equity lines of credit.
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