DAMN HE NAILED IT!!!!!!! 100% TO THE POINT!!!!!!!!!! By Jim Cramer 3/13/2007 6:04 PM EDT We know that it will be hard to get a loan, but we also know that it should have been harder. We know that there will be a longer-lasting glut of homes on the market, but we also know that the homebuilders have cut back dramatically. We know that the capacity has come out of the low-end lending business, but we also know, and this is gospel, that there will always be someone to lend to qualified buyers. I have a sneaking suspicion that both undocumented immigrants and flippers -- guys who tried to buy a house high and sell it higher -- are behind most of the problems. And while the latter are still being hurt, the former have been thrown out of the game. So it is ironic that their actions, vintage 2006, are now hurting the market.