Continuing Education can be a dangerous thing.

I happened to be in a "final required" continuing ed class for the DE 4/30/09 deadline!   I was sitting there trying to behave myself, when, some smart Alick piped up about some superstar in their office.....this rock star was really pushing the "first time" home buyer's $8000 tax credits.....she actually had four closing last month because of her efforts.  Well, that news was like poking a sleeping bear......my emotions ranged from "why didn't I think of that", to "well, first time home buyers have a hard time qualifying with the stricter mortgage guidelines these days", to "why am I in this class anyway"?   Well, what does everybody think out there.....FHA credit cutoff is 620???????  They have to have at least 3.5% of their own monies, unless you do USDA.......