Issues like what? Lending restrictions are tightening, but we can still get loans closed. I don't put people in adjusted rate mortgages, or use sub-prime lenders. So why would I need to worry about more restrictions? I have multiple lenders that I use that still do 100% financing and will do Stated/Stated loans. Not one house I have been the Broker for has foreclosed because I do not use sub prime. Don't believe everything the news tells you. Our company (even in this market) is expanding and we have just opened a new office in Williamsburg and plan to open another on the Southside in spring. We are doing well and can get loans closed, and on time.