HOMEOWNERS AND PURCHASERS WHO ARE READY TO HAVE THEIR LOAN PROCESSED...REAL ESTATE AGENTS WHO NEED A GOOD LOAN AGENT...REAL ESTATE AGENTS WHO ARE HAVING TROUBLE WITH THEIR FHA FILES...IF YOU WERE TOLD THESE ARE NEW GUIDE LINES , WELL THESE ARE THE LOAN GIDELINES THAT HAVE BEEN IN PLACE SINCE I STARTED IN 1993(EXPERIENCE)...R.E. AGENTS WHO ARE THINKING OF QUITING THE BUSINESS...LET'S GET TOGETHER TO HELP YOUR BUSINESS GROW WITH THE COMING MORTGAGE CYCLE.