PadreBrian, Are you saying with 100% confidence that in 2 weeks nobody will ever be able to get a 100% financed home? Are you in the lending industry or this just an opinion? You did see I closed a sale a few days ago in Mira Mesa where the buyer financed with 100% financing. I did not represent the buyer, nor do I ever do loans. I just like try to state when I make speculative statements verses hard facts.