Here is an interesting survey. Apparently  “More than two-thirds of Americans (68 percent) feel that it's a good time to buy a home – but many won't try because they think tighter mortgage rules have made them ineligible for a loan.

Realtors can and do educate prospective purchasers. However, it is the lenders that make the ultimate decision who to give a loan to. I would suggest if lenders want  “But "our survey also suggests we have an opportunity as lenders, nonprofit agencies and real estate agents to better inform Americans about credit ratings, mortgage costs and housing affordability," he adds.” To make more loans it is imperative for them to also educate and work with prospective buyers. Realtors can qualify and show homes for buyers however if they cannot get financing it is because of the lenders.

http://www.floridarealtors.org/NewsAndEvents/article.cfm?p=1&id=313356