Article: Prospective home buyers aren't seeing big deals yet Drop in prices only begins to eat into years of gain.(Business)

Byline: J.W. Elphinstone , Associated Press

The upside to a housing slump is cheaper homes.

But many prospective buyers don't see bargains yet, especially as stricter lending standards qualify only the cream of the credit crop.

While some markets such as South Florida, Las Vegas and the central valley of California have seen sharp declines in home prices - as much as 20 percent - overall national statistics show a less dramatic drop.

Home prices fell 0.4 percent nationally in the third quarter, according to the Office of Federal Housing Enterprise Oversight.

That's the first decline after 50 straight quarters of appreciation ...

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