One of the major problems that is slowing buyer activity in the housing market has been the tightening of mortgage lending standards. For the past six months, there has been a great difficulty in finding a lender willing to do condo financing in Tallahassee, but finally there are signs that this is starting to change and a fix for the housing market might be underway.. Another mortgage lending problem is finding lenders willing to do loans with a combined loan to value (CLTV) of 100%. This means that the lender will allow secondary lending to account for the down-payment or equity portion of the purchase. The reason that this is so critical in today’s real estate market is that so many homeowners have little or no equity, so once they sell a home and want to purchase another, they often... 06/03/2011