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I know three people in three different states that bought homes recently and all of them used FHA loans so they only need 3.5% down AND used 6% seller assist. Add in the $8,000 credit and it becomes clear that lending is still as ridiculous as it was at the peak of the bubble.
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http://bloomberg.com/apps/news?pid=20601087&sid=alfbV3LXPE_E