No qualified buyers? No problem let's get them qualified

This is an advertisement of a homebuilder addressed to realtors with clients (homebuyers) that don't qualify to buy a home.

Most of the homebuilders have their own mortgage company... so after selling people homes they couldn't afford in 2004-2005-2006, what are their plans for 2007 and 2008?
You guessed it right, they are going to sell homes to people who can't qualify for a loan by giving the realtors tips on how to raise the credit rating of their clients, so they become qualified (for a home they wouldn't orhterwise be able to afford).

Oh my, this is one big mess. Those homebuilders deserve to go bankrupt.
I think I hear Gold $1000 coming.