Just a reminder for all of us in the mortgage industry.  There might just be some money in your pile of turndowns.  My phone has actually been ringing a little more than it been in a while, but I took a few minutes to look through some old files, and I just brought a few back to life.  So everybody, take a minute to flip through some files and see what you turn up.  FHA has really opened up some doors here.  Let me know if it's done the same for you.  your next check might just be a whole lot better!