Does anybody really believe Banks have changed"

This is from an email received today:

FHA High Balance loans w/ 580 mid to county limit as much as $729,750 on 1 unit!
We are a direct lender no middle guy's!

FHA w/ scores down to 580 scores.
Spot approvals still offered
203k Streamline programs (620 min.)
We accept all FHA approved DPA programs!
Need only one score to qualify
No declining market issues!
Manual underwriting/ DU Refers OK!
One day off MLS. 85% cash out, OK
Short pay off refinances allowed!
Non- Occupant co/borrowers allowed!
BK buy/outs allowed 580 min.
First time home buyers OK w/rental history