[frithguild]

not that hard to get qualified overall

Not my experience by a longshot. I went through a year and a half of the extra documentation two step and never closed. In the 90's, it would have been no problem.

[HereInTheHeartland]

That can happen also.
If you are refinancing; it might be easier than a few months ago; depending on who is servicing your loan.

If a good lender servicing your loan, and it is owned by Fannie or Freddie; you might qualify for the HARP program.

That definitely makes things easier. Or FHA or VA loans can be done on a streamline basis.