The Wall Street Journal on May 24 reports in a headline FIRST-TIME HOME BUYERS LOCKED OUT. The article goes on to relate that the blame lies in high lending standards, high prices and a sluggish recovery for the US economy. If you are having a hard time qualifying for a home loan, bring in your Offer to Purchase and current credit score to Atty. Joseph Madrigrano Jr. For a small appointment fee your options will hopefully be expanded. Attorney Madrigrano has engaged in the practice of real estate and banking law since 1972. In the past he has served on the Board of Directors of a local bank and also the bank’s Loan Committee. Make an appointment if your current situation seems hopeless. Call Mr. Madrigrano’s legal assistant Louise at 657-2900.