We are buying a house.  Not a new experience for us until now.  We have found that lenders don't care about FICO score, money in the bank or solid investments in stocks and bonds.  All they care about is how much money you report on your tax return.  We are like many seniors that have set ourselves up to live on our SSI and use our dividends for extras, fun, etc.  We could have paid cash, but we wanted a little write off.  The hoops we went through, including providing copies of our tax returns for 3 years and 1099's to verify annual income, which they also secured copies from IRS to be sure they match, was offensive.  I have real estate background, so I talked to some of my professional friends.  They confirm that lenders are doing this to their senior clients.  It seems to me it is age discrimination.  Can AMAC look into this?  Maybe even join with AARP for a class action?  I welcome your experiences/comments.