Want to buy the adorable doll house with the white picket fence along a shaded street with sidewalks?  You have a steady job, good credit, a down payment?  Well not so fast, love, because you still might not get the home loan.  According to CNN.com, people are being denied loans even when they easily qualify,

Banks are reluctant to make loans without the Fannie and Freddie guarantee, and loans backed by them account for just about every mortgage written these days.

In 2009, the agencies lifted the minimum credit score that borrowers must have from 580 to 620. That’s probably for the best.

But they’ve pushed through a host of other requirements as well, and that means real estate deals don’t get done, even for some relatively low-risk borrowers.

Missed payments on credit cards, too few condos sold in the neighborhood, and vulture investors may share the blame. And the only solution is to apply somewhere else… maybe someone else will take the big step and allow people to purchase mortgage loans again.