Top 10 markets for borrowers

Forbes: 3 Texas metro areas make the list

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While lending has been tight in many parts of the country, some markets are definitely more robust than others. Forbes compiled a list of the best cities for borrowers — ranking by effective mortgage rates (including up-front fees), homes in foreclosure, and mortgages with 90-day delinquencies. Lending is less restricted in areas with fewer borrowers in default, Forbes said.