Very Delicious

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I work in banking and it looks like banks are headed towards 60’s and 70’s style lending, which is to say, if you don’t have a 720 credit score or greater than you either need 20% down, or your going to pay a lot in up front fees for the rate you get, or you need to go FHA. The banks are having difficulties securing funds by using mortgage backed securities as collateral and their losing a lot of money from bad subprime loans and ALT loans that were originated during the hay day and weren’t backed by Fannie Mae and Freddie Mac so if you don’t have stellar credit than FHA is the only safe bet for the time being. Fun times ahead. Fun times ahead. Needless to say, business is slow and frustrating.

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I went to Barnes & Nobles for lunch and had some Chicken and Wild Rice soup: very delicious. And when I finished read about half of Jason Bredle’s Standing In Line For The Beast: also very delicious.