Well, it has been a hellish few weeks for Loan Officers in the mortgage business.  We've lost a lot of features to our sub-prime and alt-A loans.  We used to be able to do 100% financing 80/20's with 650 credit scores and stated income and now we can't do anything close to that.  So it is so extremely important to have good credit and be able to document your income.  There are many excellent resources on the internet for clearing up credit issues (www.myfico.com), and now is the time to talk to employers about documenting income.  Rest assured, we have plenty of financing available for borrowers that can show their income and have good credit.  We do have Jumbo loans and 100% financing and LHFA Bond Money Loans.  Don't be discouraged, call me today!  Brandy Simpson, Loan Officer