Having previously worked as a Mortgage Underwriter from the early 2000's until I became a Real Estate Agent in 2017, I saw a huge shift in Mortgage Underwriting guidelines. In the early 2000's it seemed like anyone could get a loan due to much less stringent Guidelines than we have today. So much has changed since then and thus one of the many reasons why experts feel we will not see a crash similar to the one in 2008.
