In general, I've always thought of (and seen) luxury suffering first and then that softness moving down to middle and lower tier properties.   

I agree with @Jay HinrichsThe high touch, soft skills, face to face skills (belly button to belly button, Tom Hopkins :))I used to present to group lawyers for D.I. and Life Insurance Defined Benefit Plans, bunch of sharks, not for the squeamish. 

I think it's time to start looking at hard money, and call your lender back up as soon as your husband has his first paystub in-hand at his new job.You may want to ask your current "soft" money lender to speak with the HML guy and/or maybe even show the actual loan approval, loan application, credit report, etc, so he has assurances that you will be refinancing out of the hard money as soon as husband is back on the job.