No- its not like last time. Last time if you could breathe you got a loan. Today you have it’s prove income, assets and have a healthy down payment. You will pay a high interest rate and if your credit score is low, you might have to put down up to 40%.
Depends. For refinancing- no. They have no incentive to drop your interest rate from 6 to 3.5.
The investors that bought the loans took such a bath in recent years that the pendulum swung really far back the other way and imposed really harsh lending requirements.