I agree with you about these judgmental realtors below. One seems to pop up a lot here.. We have great credit, then get downsized or lose our jobs many of us not employable again as employers don't want to pay a larger salary to a most competent worker; employers would rather go cheap as it's quantity over quality. Most who are called in for interviews are not as experienced or as educated (quantity) who would be happy to eliminate paying $50,000 a year job now offered for newbies at $25,000. It shows how much they think of their own company or ownership. They aren't worth working for! Kick the dust off your shoes and leave not looking back!!! It seems the only way is to try to start your own business and utilize the free help of the SCORE people.