In credit crunch, location matters

You've heard about how the credit crunch has made it harder for many types of buyers to afford a home or qualify for a mortgage.
First-time buyers. Those moving up to larger homes. Buyers with marred credit or little cash for down payments. Those in pricey areas who need "jumbo" loans exceeding $417,000.
"If you're going to get a loan today, in comparison to six months ago, you'll have to bring