09/14/2011 06:33 pm ET Updated Nov 14, 2011

Tight Credit Market Mean Homebuyers Are Struggling To Get Loans

Homebuyers such as Bob and Janet Zych have fueled the U.S. housing market for decades.

They have excellent credit with scores that top 800, life-long careers and investment portfolios that have set them up for a comfortable retirement, they say.

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