There has been a lot of effort by banks in the United States to make sure that the number of people obtaining loans for homes doesn't rise to fast and that the loans that are given out are done so in a responsible manner so as to avoid another housing bust in the country. One issue that some people who are interested in 30a homes for sale are finding after they locate their perfect house is that the banks are being much more strict on who they will give loans to and that a higher credit rating than ever is often needed for loan approval.