While it is getting harder to secure a loan, and it may be different in the bay area, I don’t buy only 2 or 3 lenders doing loans for at least 15% down. I just bought a home in southern california in the end of August, 2 of the 3 banks were allowing less than 15% down (but greater than 10%) and the other, Countrywide, was requiring 15% down.
