This question is pretty much for anyone who would know the answer, mortgage broker or not. What exactly is the problem with this whole mortgage mess? Is it that there are no people trying to get mortgages because rates are to high? Or is is that they simply can not approve anyone for a mortgage and customers are trying to get more money then what they can afford? I ask this because I am trying to predict when is the correct time to get into any of these mortgage companies..... if the time ever comes.