Have you borrowed money lately

We last bought a house in 2008.  Due to being relocated we are once again buying a house just a little over 2 years later.  This time is NOTHING like any of the times we've bought a house before.  The new lending and banking guidelines are un-freakin-believeable.  They are nearly impossible to satisfy.  The government has freaked out and gone the extreme opposite direction from where they were 2 years ago when they were encouraging anyone and everyone to borrow money to the exact opposite where now it's amazingly hard to borrow money.  Just to get mortgage rates run you have to fill out a 19 page loan application, submit to credit check, and give the lender permission to pull your last 2 years tax returns--all of that JUST to get rates run!  Once you get past that then you have to keep detailed paper trails of everything, be able to explain every last dollar in your bank account, can't spend any large amounts of money prior to closing, and on and on and on.  I keep thinking they are going to ask us to submit to DNA tests next.