Lenders have always been able to loosen their standards. A non-conforming conventional mortgage gets bought and sold on the private market rather than Fannie Ma

Lenders have always been able to loosen their standards. A non-conforming conventional mortgage gets bought and sold on the private market rather than Fannie Mae. But they are also slightly higher interest because they are riskier. > If the SWE job market ever cools off So far it's only the SWE market cooling. Friends in health, education, logistics are beating back recruiters. These are occupations that have been underserved for decades and only worked as long as they have because of solid pensions. But now those retirements are coming due and no one has built the staffing pipeline. Management watched the average employee age increase every year until it was equal to retirement age and here we are. SWE market is extremely young and doesn't have nearly the same recruitment problem.