That way you can find out where you are at in the picture, what you need, any problems you'd encounter. The No. 1 reason people get turned down for a loan is credit issues.

People have trouble figuring out where they fit in, and too many people don't realize they can buy a home.

We explain to our clients we are working with a laser not a magic wand. There is work to be done on their part, but their cravings will be suppressed.

Our specific concern … is that it will have a ripple effect.