As I am sitting here today contemplating on whether or not I should write this, I find myself, after ten years of active involvement in this business, somewhat scratching my head. Is it just me or is it getting almost impossible to close a loan these days? I dont mean impossible from the standpoint of not having the business, I mean impossible from the standpoint of getting files thru underwriting, getting acceptable appraisals, ETC, it seems the days of submitting a full package and closing with out any hickups are gone!!! I ask myself why is that? Part of it has to do with the credit cruch that most lenders and banks have instituted since this whole subprime shakeout, but still a great deal of it has to do with Underwriters, getting hired with no experience, taking a two day class and then deciding wheter or not somone is deserving of a mortgage or not!!! I like to call this the crystal Ball Style of underwriting! The reason I call it that is because sometimes it feels to me like there sitting at there desks, with there eyes rolled back in there head, and there hands laid on a file to see what the file feels like!!! What the world is that!!! what ever happened to the days of make sense underwriting, and looking thru what you have already been provided before you automatically stip for it again. Well I guess that is enough rumbling for one day!! I got to get on the phone and call some Psychics, I mean Underwriters to check on the status of some of my files. Is anyone else experiencing this same thing? I would love to hear from you.