Nomura economist Richard Koo took a economic tour of the world recently, and Business Insider highlighted what he found out about U.S. housing.

Data released this week show things are looking up. Home sales, builder confidence are up while affordability remains low.

And even lower for Koo.

He went into a bank in New York, one of the largest in the country, and received a variety of offers and great deals. It suggests lending may be easing – at least for large investment bank economists.

The bank offered to make his first monthly payment of $2,500 and write a loan for him with just 5% down. He also got the option of a fixed-rate mortgage that automatically reset to a lower rate if they fell further – this without all the refinancing paperwork that goes with it.

Read more here.