I have buyers with 30% down is anyone lending?

Sorry, can't help you there, Karen. Actually, I am finding the lending very liberal - perhaps a bit too liberal - up here in Ontario, Canada.

Hi Karen,

I have found that some of the local banks are more flexible than the bigger well known banks here. They meet by committee.

Wells Fargo and Pulaski will loan but seem to have tightened up their criteria. Are you running into problems with their credit history/rating or property appraisals? Now that the lenders have to use only the 10 approved appraisers on their list, we are seeing many houses that don't appraise. But if it's just the loan part, you might take Monique's suggestion and try local. I have noticed that they are trying harder to work with people. Better rates, better service, faster closing and the personal touch that many of us like.

Karen - I think the Banks/ Lenders are all playing games! I think the reason the Banks/ Lenders are not borrowing any money is because they were borrowing money for all the years before the crash that they didn't have then and still don't have!

No way of knowing because there's a lot more involved than 30% down. 

We're getting loans financed with Chevy Chase, Chase, Wells Fargo, George Mason, BofA, 1st Mariner and some locals, all types of loans, FHA, VA, Conventional 10%+ down, USDA, etc. 

Royal Bank of Canada is doing alot of business in Panama City Beach.  Alot of it depends on what they are trying to buy with 30% down.  We have not been having any troubles with local lenders here also. 30% down should be easy if the buyer is qualified.

Up here in Port St. Lucie we are getting funding still. I hope it continues.