It has been a long while, as we have been highly involved in some industry changes that began January 2011.  But as part of American Pacific Mortgage, the Team has been ideally positioned to move forward and serve clients, while avoiding the many pitfalls that may be catching others in the mortgage business unaware.  Now mid-May, we have things smoothed out and operating normally, and we are looking very forward to helping more of your friends, family, and colleagues with their home financing needs.  Pre-approvals are HOT in 2011.  Refinances, not so much due to rates, but more for financial "tuning" are working out well for our clients as well.  I will follow this post with some content on propositions 60 and 90...