I've heard from a lot of clients that getting a mortgage is about impossible right now. I've been able to steer them to lenders that can get their loan done. Typically without much work on the borrowers end. The media would have you believe that mortgages are hard to come by, but working in this industry I know that isn't exactly true.
Below is a VERY informative and in depth article speaking about this topic and all the loan programs that are out there. If you are looking to buy a home and have hard time getting an approval, contact me & I'll put you in touch with excellent lenders out there who can help.