I want to know why all of the bank execs get to take fancy bvacations/b while my husband and I ? Two hard working people can not get a loan at 3-5% down???? Keep in mind we would have had the money to put 20% down had we not had to use up all b....../b Posted By bNajda/b Sadyan, L.A. California: February 17, 2009 9:15 am. It SHOULD be harder to get a loan. You can't keep having all the things you never earned in the first place. NOBODY OWES YOU ANYTHING. Posted By Jason Rochester, ...