I feel for ya. It has not gotten easier, and Dodd-Frank have only slowed the process down. When I bought my most recent home we actually had to justify a $56 deposit in my account and write that up.
And just to let you know...letting a house go takes just as much paperwork if you want to do things gently. I am having to go through that now and have to provide just as much information as I did going into a home.