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this post was submitted on 03 May 2026
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A Boring Dystopia
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What was it like getting a loan in the middle of the crash? Housing prices were cheap but I heard lending was very tight
It wasn't really that bad as long as you were reasonable on your debt to income ratio. It absolutely stupid easy to get a loan in the boom before the bust. The contrast is why people remember it being "tight". We had no issues with getting a loan.
I did know some people who were all pissed off that they couldn't get a home loan but they had $120K in debt between car, furniture, and student loans. They had to have their parents help them out with rent every other month.