Fundamental changes at Fannie and Freddie, well I hope so and I hope for the better. Recently FHA underwriting has become a little loonie. Underwriters now must background check all parties in the transaction, this is REALTORS, buyers and sellers. I'm sure there is some mechanism for loan officers too, I'm just not aware of those. Anyway read what may be coming down the line for Fannie and Freddie.
http://www.ncrealtors.org/news_display.cfm?nid=1395
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