Subprime loans under construction?

Have you been a victim of the subprime regeneration?  Are your loans going down the tubes?  Are the guidelines becoming almost unbearable to handle?  Well, you're not the only one.  With many lenders and brokers going out of business, with the mortgage market restructuring, we have been able to stay in the loop.  Want to share your ideas with me here and see if we're in the same boat?