maurizio fiori is hoping to buy a home in 2013. he's looking to move his growing family out of their chicago apartment and into their very own home. 'i've been scouring the internet, and talking to agents and mls and all the sites almost daily.' a former trader, fiori holds stakes in a diversified portfolio of successful small businesses, including a wine importing company and a craft brewer. in 2006, before the worst of the financial crisis hit, many banks would have been bending over backwards to lend him lots of money at exotic terms. today, even though he's willing to put up 30-40% of his cash on a down payment, bankers aren't exactly lining up to lend to him - or to anyone else for that matter. 'basically, the only good candidates for a loan are people who do not need a loan to begin with.' 'well, unfortunately things have gotten a little tighter in mortgage lending.' in his work helping homebuyers find financing, michael mcauliffe has seen the mortgage process change dramatically the past few years. gone are the loose lending