Dude you’re about 6 years to0 late. Now you’re behaving like Standard & Poors. Speaking of which, why does anybody give a hoot what they think the credit worthiness of any entity is. Why aren’t they already out of business. Arthur Andersen was shut down for far less damage than that caused by Standard & Poors and it’s buddy Moody’s.
Read more about Fannie’s guidelines here:
CA DRE#: 01173766