Good Credit - no 20% down payment - no loan

In recent weeks, mortgage insurers have flagged more than 9,600 ZIP codes in at least 34 states where they won’t insure certain types of home loans — those for investment properties or second homes, those with riskier adjustable-rate or interest-only mortgages, or for buyers making down payments of less than 3 percent

The entire states of California, Florida, Arizona, Michigan, Ohio and Nevada — which have seen the highest foreclosure rates and the worst price declines — are blackballed on some mortgage insurers’ lists.

http://www.msnbc.msn.com/id/23731299/

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that is the important news behind the news. none of the changes at fannie and freddie, none of the changes at the fed which collateralize MBS, and none of the treasury help groups, make much difference to the enormous sea changes in home ending, both public and private. new and much stricter appraisals will be demanded, incomes will have to be documented, significant down payments will be required: all are necessary but it will take YEARS to adjust to these and, meanwhile, house prices will fall and foreclosures will surge and the economic backgorund will deteriorate, making everything domino and domino and domino. we are still in the beginning.

In recent weeks, mortgage insurers have flagged more than 9,600 ZIP codes in at least 34 states where they won’t insure certain types of home loans — those for investment properties or second homes, those with riskier adjustable-rate or interest-only mortgages, or for buyers making down payments of less than 3 percent

The entire states of California, Florida, Arizona, Michigan, Ohio and Nevada — which have seen the highest foreclosure rates and the worst price declines — are blackballed on some mortgage insurers’ lists.

http://www.msnbc.msn.com/id/23731299/

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I'm trying to google up a larger version of that chart. Does anyone have one?