Critics call the new mortgage requirements,

    the new redlining.      

  Many of the country's largest mortgage lenders are imposing loan restrictions in entire counties or ZIP codes that they rank as risky or "declining."

The rest of this great piece is here.

One of the problems of the last few years with the fantastic run up in home values and home buyer activity is a whole bunch of these sub prime and low quality mortgages are starting to come back to roast as foreclosures.

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