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POPSPanic Over Mortgage Worries May Be Overblown So not everything is doom and gloom. Here is a brief clip from marketowl.com that puts some of the worries to rest. Of course, this is but one opinion but in the interest of fairness it is important to look at both sides. The fact still remains that credit, especially mortgage financing, is getting harder to get. Only people with nearly perfect credit are able to qualify for loans today. That simple fact provides people with all kinds of motivation to clear their credit histories of any false or misleading or inaccurate information.