Here here, Permabear!! It was not just independent mortgage brokers it was the direct banks also. When I took out my HELOC I went to my WF branch bank and they asked me how much I wanted. I said that I wanted the maximum to have as an open line (I knew what was coming and wanted one open just in case there were opportunites I wanted to take advantage of). I asked how much I needed to earn to get it. They calculated the number and just put it in without asking me for any documentation. The banks lending their own money were just as complicite as anyone.