Hello! I am so confused with the rules regarding underwriting guidelines....I always was confident that they were standard across the board....I am finding out the hard way that each bank seems to have underwriters that revise the standards to comply with what they feel should be acceptable. Is anyone else finding this to be true? Its so frustrating....there are so many decent folks that dont have a lot of money but pay there bills...that would love to buy in this market....It seems impossible....Higher down payments...Higher PMI....Rural not funding....SHIP accomadating super duper low income folks...How do we turn the market around if no one can qualify for a loan!! If everyone had CASH to buy....our economy wouldnt be where its at....Doesnt Big Brother see that! lol