Up until only a few years ago, home loans were all too easy to come by. Of course, this generosity on the part of the banking industry led quickly to its ultimate demise, and the resulting crash of the real estate market. And even though the banking industry was instrumental in getting the economy where is today, they don’t seem to be willing to jump start the housing market by lending any of the billions of dollars in TARP and stimulus funding generously provided by the government and your tax dollars.