http://www.mortgagenewsdaily.com/01092013_housing_affordability.aspEven though home prices have been rising, the National Association of Realtors&reg; (NAR) said today that 2012 appears primed to set a record for housing affordability . With 11 months of data in, NAR's Housing Affordability Index was at 198.2 in NovemberenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/01092013_housing_affordability.asp#290747Thu, 10 Jan 2013 06:19:21 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:290747Frank CeizykI wish we could get more details of the &quot;excessively tight underwriting&quot; Mr. Yun mentions that is stopping buyers who have 20% to put down, and a 25% front debt ratio from getting mortgages. Anybody have a link? A list? Mr. Thomas: What does a more sensible lending environment look like, and what would the NAR suggest as rules for Fannie and Freddie buybacks? <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=290747" width="1" height="1">