http://www.biggerpockets.com/articles/32400/user BiggerPockets Emmett Dixson Articles http://www.biggerpockets.com/articles/923 Ok, so we are all aware that the current market situation is less than...ideal. We owe a huge debt of thanks to the sub-prime lenders for all their hard work. Anyway, it seems we are in quite a situation. Banks are making it continually more difficult for home buyers to qualify for conventional financing. While the people who have been removed from their homes can no longer qualify for a bank loan due to poor credit. So where does it end and how can it be fixed? It's similar to "Justice and Mercy", a parable... http://www.biggerpockets.com/articles/923 http://www.biggerpockets.com/articles/974 We have been getting a ton of requests from people, begging us for advice about mortgage hardship modifications and mortgage loan modification hardship letters. http://www.biggerpockets.com/articles/974