I wanted to post this as there are alot of questions these days on mortgages and this is what i do for a living and have since 1991 so if anyone has any questions about mortgages in general post here and if personal you can pm me and i will respond when i can as extremely busy but thought i would help my fellow yorkie lovers here incase they need help as our phones are ringing off the hook now so thought i could help answer some questions if you have any since it is a hot topic. Also, there have been a ton of changes in our industry in the past year so I am sure many have questions regarding that