Unlimited government I guess. Power of the government seems to be unlimited. More people are concerned about home loans than ever before, and rightfully so. It's a buyers market at the moment, as prices are low and the supply is ample, but getting financing for the mortgages is harder. It isn't as easy as getting payday loans, and perhaps it's rightfully so. Mortgage lenders have begun requiring better credit scores and far more documentation than they used to, including credit scores, tax returns, and so forth.