Article: Subprime loans going under: Implosion hitting would-be homeowners, desperate sellers hard, but some see a silver lining hanging on the horizon.

Byline: Barbara E. Hernandez

Mar. 22--Realtor Christopher O'Brien is hoping the fifth time is a charm. His $449,950 listing in Pittsburg has been in escrow five times in the past three months after lenders canceled the subprime loans of four would-be buyers.

The lost loans are part of the subprime market fallout, O'Brien said, something many local agents and brokers know well.

"Most of the people, except the last buyer, had 100 percent financing," he said. "They had a pre-approved letter, but when they went back to the lender, they were told, 'We're not doing those loans anymore.'"

In the past few weeks the nation's subprime market has ...

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