It's hard for you because you have good credit. It's not hard for people with bad credit, as is evidenced by Fannie and Freddie's latest 3%-down mortgage progra

It's hard for you because you have good credit. It's not hard for people with bad credit, as is evidenced by Fannie and Freddie's latest 3%-down mortgage program. The reason is that the very point of the new lending standards is to provide banks an exit strategy in the real estate market by inflating another bubble.