Well, we continue to see change. Too bad none of it appears to be helping the consumer. We continue to hope that the monies provided to the major banks will provide the emotional climate for bankers to start loosening the proverbial purse strings.
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The housing and mortgage industry have had to grapple with a number of issues: RESPA and compliance, the First Time Home Buyer Tax Credit's demise, appraisal and HVCC, questions about the flood insurance program, etc., not to mention borrower's credit concerns. Looking at the single-family market...