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Investors aren’t the only ones feeling aftershocks from the troubled subprime-lending industry, which rattled Wall Street and the world last week. It may not be known for months how much havoc the subprime market has brought to the Arizona economy, but experts who follow developments say they are not promising: Arizonans with good credit now will face intense scrutiny when applying for loans. Others with minimal credit may not qualify at all for a home loan. Young and first-time homebuyers will have difficulty finding easy credit and will have to put down larger down payments, particularly if they have a credit score under 600. Almost 40 loan offices in the Valley have closed. More…