This apparently surprises some people.
Now, the credit histories of many applicants are not good enough to get approved for mortgages, except through some creativity - or chicanery - by brokers and loan officers.
I remember in the late '80s, when I was briefly selling cars for a living, having another salesperson tell me how "It's wrong to lie on these forms, so I just present the truth in the most favorable light possible," as he changed a garbage man making $12.50/hr into a Waste Disposal Engineer making... tap, tap, scribble... carry the two... round up to the nearest ten... $30,000/yr.
PS: Interestingly, the little poll shows that 44% of respondees are unaffected by the mortgage snafu. I'm going to postulate that those who really took it in the shorts, either being badly upside down in their crib or getting kicked to the curb by a foreclosure, are probably not regular readers of Money.CNN.com. Perhaps if they ran that poll at an online gambling site or a 419 scam relief organization, they'd get different numbers.