Mortgage Help?

In a customer service industry like the mortgage business one must always try to bring the utmost professionalism to the transaction.  After all we help people with their largest asset and it is always a high stakes game.    Judging someone's financial picture and then determining their viability is a big responsibility, and not one we take lightly.   It is always our goal to listen to anyone and everyone we can and to do whatever we can to truly help.  

Unfortunately the industry has changed and there are so few loan programs available these days.  It is very difficult to qualify for a new loan, and so many families are no longer afforded "help".  While I applaud some of the product eliminations, I think it wrong to be so exclusive.    

We work with clients to the best of our ability, but if we cannot find someone to buy the loans we cannot offer them.   With guidelines so strict we often have to decline families that really should get a loan.   Appraisals come in low, income doesn't qualify and various other events happen that cancel the transaction.  Clients end up angry with us, because we are the messenger in these events.  I guess that is just part of the job. 

My hunch is that programs will loosen and funds made more really available, but there is no telling when that will happen.  Hopefully sooner rather than later...