When banks stop lending to other banks, because they cannot determine with any level of confidence which assets on balance sheets are really worth something, and how much, OK that is not a cyclical market correction -- that is a broken market system.There was a time in late 2008 when some big names like CAT and Deere and Honda and Toyota and others like them were unable to obtain debt funding for their financial services captives for a period of several weeks. 

Profit has to be made in order for those products and services to continually be offered, improved and consumed. 

Those old homes had knob and tube wiring and smaller service panels that will not stand up to today's electronics usage.

I also want to thank you for your service to this great country. 

You're paying for service and you're not getting it.

“making application” is a standard thing, lenders confirm it all the time.  

Lima One Capital has advertised a no seasoning product in the past, as has Visio Financial Services. 

It's called Debt Service Credit Ratio.

i would treat them like a new applicant

If you can't handle stepping in to a grocery store or attending Sunday church service without a dog in your pack, you may need to be medicated and under constant supervision.I'm prior military and a combat veteran.