I called my banker today and she wanted a big down payment or a higher interest rate. No more easy loans. Twenty percent down and you are ready to go. <a href="http://news.aol.com/story/_a/fed-survey-banks-tightening-credit/n20080204152109990062" target="_blank">http://news.aol.com/story/_a/fed-survey-banks-tightening-credit/n20080204152109990062</a>