home loan lender, mortgage loan Getting a mortgage loan is more difficult these days than it was a few years ago because of the mortgage meltdown, but it is still possible with a good down payment and nearly impeccable credit. Now a home loan lender is looking for the safest of all possible loans to make so that the chances of default are slim to none. In its last life, the mortgage lenders were basically looking for anyone with a heartbeat to loan money to for homes. Now that the rules have changed 100%, people are finding it harder and harder to get a home mortgage. Now the news is all about Fannie Mae and Freddie Mac pushing insolvency, and that is a truly serious situation. If they can't raise enough money to meet their solvency requirements, it will be one more government bailout, like Bear Stearns was. Chances are now that lending requirements have become much more strict, the Fannie Mae/Freddie Mac crisis won't affect new loan originations, but it sure does nothing good for the mood of the country.