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[Music] hi Im Annie Fitzsimmons Im your Washington Realtors Legal Hotline lawyer buyers who need a jumbo loan are encountering difficulties in todays marketplace buyers are representing to sellers that they will go get a loan which would be a jumbo loan and put whatever percentage of money into the transaction that theyre planning to put down and when they go to make the actual loan application they might have spoken to a lender they might be qualified for the jumbo loan amount but when they actually go make their loan application they are discovering that the criteria for getting a jumbo loan has changed in recent years and even in recent months in some cases and a well-qualified buyer still cant get a jumbo loan for a variety of reasons that may or may not make any sense for example in some cases jumbo loan lenders wont allow self-employment income to count or they wont allow a borrower who has too many mortgages already in place so an investment buyer for example may not be a