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My brother financed a private party transaction through his credit union in 2013. I wonder if in 09 you were suffering from the general lack of credit everywhere. Banks were looking to exclude everyone from everything at that time. I went through the mortgage process during the credit crunch, and it literally brought me to tears of frustration, something I hadn't experienced since I was probably 6 years old. Nasty motherfuckers. Edit: I have no idea if or how private party changes alters the loan terms.