I've been in the Mortgage business (as an originator) for 32 years. 10 of those years were with First Union Mortgage bought by Wachovia now Wells Fargo. I don't believe I've ever seen lending so restrictive as it has become in the last 18 months. I hope 2011 brings guidelines back to more normal lending standards. These new GFE and HUD guidelines give me a headache and the buyers are more confused than ever. I enjoy the people part of the business. I don't enjoy the paperwork or the the new hud guidelines. I haven't done an FHA loan for over 20 years... maybe 2011 will be a new start for me with FHA.