High credit standards in the wake of the financial crisis are still preventing many would-be buyers from getting a loan and taking advantage of the low rates

“Right now the real issue isn’t the price of credit, it’s more the availability,” says Robert Denk, an economist with the National Association of Home Builders. Eighty three percent of homebuilders recently surveyed by NAHB say they have lost sales over the last six months due to buyers not qualifying for a mortgage.