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	<title>Twin Cities Mortgage Refinancing &#187; houses</title>
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		<title>7 Ways The Mortgage Industry Has Changed This Year</title>
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		<comments>http://mortgagerefinancingmn.com/blog/mortgagerefinance/7-ways-the-mortgage-industry-has-changed-this-year/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 03:09:20 +0000</pubDate>
		<dc:creator>allanmadams</dc:creator>
				<category><![CDATA[mortgage refinancing]]></category>
		<category><![CDATA[appraisers]]></category>
		<category><![CDATA[atm]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash out refi]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[houses]]></category>
		<category><![CDATA[hvcc]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage lender]]></category>
		<category><![CDATA[refi]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[stated loans]]></category>
		<category><![CDATA[underwriting]]></category>
		<category><![CDATA[values]]></category>

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		<description><![CDATA[In the event you have steered clear from what has been going on in the mortgage industry for the last 24 months, I thought I would bring you up to speed on some of the big changes, and how they affect you.    These changes have slowed down the amount of refinances being done, but being [...]]]></description>
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