I was reading about a new version of FICO called FICO08, that is supposed to be more realistic, it is slated to go into effect later this year. I'm wondering how it will change things for the average Joe Consumer. I also see that mortgage insurers are blacklisting large areas, making it impossible to get a mortage without 20% down. Fortunately the Seattle area is not one of those areas, since I hope to get a mortgage and I don't have 20% down. Interesting times indeed!