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He also thinks buyers should talk to their lawyers about getting mortgage and appraisal contingencies written into their contracts.
There are a few sub-subprime lenders in some of the poorest places in the world who are actually getting mortgage lending right.
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"Even pretty qualified people with secure jobs are having a hard time getting mortgages," she said.
Self-employed people are having a tough time getting mortgages now, even though they might otherwise be good risks.
Many of her clients "have given up on getting mortgages — totally," and instead are paying cash, she said.
Home-buyers and small businesses face delays on getting mortgages and loans.
For one thing, mortgage executives say, even people with good credit face difficulties in getting mortgages these days.
"From my experience, people are still leery about getting mortgages," Morway said.
"But we have got mortgage payments.
But, he also noted, many creditworthy Americans were finding it difficult to get mortgage loans.
The companies are serving their purpose, making sure that families get mortgage loans.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com