O.K. my fellow professionals, here we are months into what they are calling the bubble finally bursting. You can become a victim of this market or you can try and figure out where you fit in this market. Lets do things back wards again, full doc files first & then try & see where they fit otherwise. CALFHA allows so many open windows and a whole new level of potential business. Yes you are limited to a certain purchase price but it sure beats FHA and it allows you to go full 100% with lower rates than even conforming pricing. If you find yourself with against the wall, lets communicate, you have options.