two woment at soccer

I was listening to two women at my granddaughter's soccer game this Saturday, they were talking about the current “crisis” in the mortgage industry, it seems one of them was a realtor. The non realtor asked ”how are people buying houses?” the other responded that people had to have good credit and had to actually make the down payment, that they aren’t letting the seller make the down payment anymore. I was amazed, this seemed ridiculous to the realtor that people would have to have good credit to buy a house, the nerve of those lenders and their regulators.