If you have a down payment that covers what the bank considers to be an acceptable amount of the value of the house in a down market and you have good income and ok credit then they’ll do business. Part of the power of the banks is they are willing to do anything to make a buck (ANYTHING), they will screw you, the government, they will screw anyone who is willing to be screwed. They count on the average person being somewhat moral and ethical which they are and this gives them an edge in business dealings. Treat the banks like they treat you, treat everyone else like you want to be treated.