In our current economic mess, people all over the country are finding it very difficult to get home mortgages! Why is this? Well, after Fannie Mae and Freddie Mac went under, most banks suddenly tightened up their lending practices. When they did that, ordinary people like you and me suddenly started to get turned down for mortgages. Why is this? Well, let me ask you a question. Do you have a perfect credit score? If you don't have a perfect credit score in today's market, you will most likely find it nearly impossible to get a home loan. This is a real shame too, especially since interest rates are at an all time low!

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