Real estate agents and brokers say they have seen some unconventional loan types, such as those higher-risk loans that have been blamed for bringing down the subprime and credit markets, largely vanish from the market while government loan products are becoming more prominent. … The reason for the delay is that that program they were going to use to fund the loan no longer exists so they want to get back with (their lender) and make sure everything works before we come back to you.