Well, as usual...  The news media is blowing the shake up in the mortgage industry way out of proportion.  Yes, it is true that companies are going out of business, but others are emerging.  While nonproductive mortgage products are being removed from wall street, they are being replace with better loans for both the consumer and the lender.  We at Greater Texas Mortgage have always tried to stay ahead of the competition by offering these types of mortgage loan products which give customers the options of higher LTV's and cheaper interest rates.  Give us a call and we can customize the right loan for you.  Thanks, Scott Yonce