<p>"I am kind of screaming inside because my lender who felt comfortable loaning me the $$ with nothing down two years ago is uninterested in rolling it into a conventional loan now."</p>
<p>I (a renter) am also screaming inside because the banks were allowing people to "buy" houses with NO MONEY DOWN! Sorry subprimer, but you do not deserve that which you can't afford. I would like to think that it will be much more than 2 years before you can purchase a house again. Minimum 4 or 6 years would be fair, I think. Just so long as it is after my purchase.</p>
<p>I read about the kids having to change schools & stuff and I feel bad. Then I think WTF about me! I HAD a down payment 4 years ago, but knew the market was BS, so I didn't buy. Instead, people who should not have been purchasing houses (like you, subprimer) were buying the homes I should have been buying. Well, now its time for you to get back into line BEHIND ME! If I can rent for 4+ years, so can you. Is there anything unfair about this?</p>
<p>Now as far as feeling sorry for the banks, please...</p>