Prove that you make the money to qualify for the house and pay your bills on time, and you will qualify for the loan. " It's a shift, said Bank of America's Mike Hegna, that has come in the last couple of months. Hegna, a senior vice president for consumer real estate lending, said the bank's production of so-called jumbo loans, or loans of greater than $417,000, in his market area had jumped by 30% to 40% since early September. The "sane underwriting" Barron mentioned includes plenty of supporting material in a loan application. "Lenders want to see employed people, pay stubs, they want to see assets in the bank and FICO (Fair Isaac & Co. credit rating) scores of about 650, 660 and up," said Les Berman, president of EB Financial, a mortgage brokerage in Beverly Hills, Calif. "Over half the population has scores in that range. In the jumbo, we have a lot more stated income money coming back to the market, but they have to score generally above 700."