The mortgage industry is experiencing the largest, most dramatic changes in recent history. Most of this is due to critical changes in the sub-prime market. Because of the sudden deceleration of sub-prime lending, many banks and investors are “tightening up” their guidelines which means certain borrowers who could have purchased or refinanced a home just a few months ago can no longer do so. Fortunately, because we meet the strict standards of our investor partners, we are able to offer a variety of programs to meet most borrowers’ needs. Also, there is a lot of positive movement in the real estate market and interest rates are still low which means it’s a great time to purchase, reduce consumer debt, or lower your payment.