Please forgive the critick of your post, but if you closed at the end of August, you most likley got a loan at what, End of June or early July? So even then the lenders were demanding >10% down, and things have gotten considerably worse in RE finance land (Freddie/Fannie take over, Lehman went down) since then. I find it totally plausable that in the last 10 weeks tightening has gotten even more restrictive.
