Tell your friends to try harder

http://viviannerutkowski.wordpress.com/2009/03/08/fannie-mae-raised-loan-limit-on-investor-and-second-home-borrowers-from-4-to-10-%E2%80%93-policy-takes-effect-march-1-2009/

PS. if you don't know the meaning of bluff, I suggest you don't make fun of yourself again.