Analysis: Mortgages are harder to get than in 2000-2002

Mortgage credit standards are tighter now than in 2000-2002, before lenders relaxed their underwriting in the lead-up to the financial crisis, Goldman Sachs economists found in an analysis that considered seven measures of credit access. Credit could ease for borrowers with hard-to-document income if government regulators and investors would define their criteria for approved lending, the report said.

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