Prospective mortgage borrowers are facing greater scrutiny, particularly if they also are on maternity or paternity leave. Some mortgage lenders are hesitant to approve the loans even if the borrower plans to return to work quickly. "If you are not back at work, it's a huge problem," said Rick Cason, owner of Integrity Mortgage. "Banks only deal in guaranteed income these days. It makes sense, but the guidelines are sometimes actually harsher than they need to be."
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