LA_R. of course you are correct, but I was just trying to stick with the topic!
Many LOAN scum are trying to screw people worse than ever right now because they have so few deals to do and need to make some money..It’s borrower beware.
There are and will be zillions of dollars on Wall Street.
Money will loosen up again.
I have no problem with lending standards getting back to where they should be.
Now when I tell some people that I CANNOT get them a loan, I will actually be telling them the truth. 😉
I’ve been around So Cal for 40+ years, I’ve seen almost everything.