More than 80% LTV loans are harder to get now.

Fannie Mae and Freddie Mac's ability to purchase loans from lenders
is being hampered by private mortgage insurance companies - so says
the GSE's regulator.

The mortgage insurers have tighter standards than Fannie and Freddie,
particularly in distressed housing markets. "If someone wants more
than an 80% LTV mortgage they have to go FHA," Federal Housing
Finance Agency director James Lockhart told NMN bureau chief Brian
Collins. Mr. Lockhart added, "That's why the Federal Housing
Administration's loan volume is increasing so dramatically."