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Whether it is the industry efforts or the gov't regulations that have done their best to make getting a mortgage a thoughtless process, unfortunately the end result has been an industry inundated with people who just refuse to think. This should not be rocket science, but it still requires more than a fogging of the mirror and a pulse.

Apparently, no one's reading the insightful links I have provided. It's not that industry people "refuse" to think. It's that people--smart people; as smart as Mr. Smarty Pants Engineer--don't know what to think anymore.

Lending Tree CEO on Loan Buy Back Fears

Lenders say putback threat intensifying

Lenders Remain Skittish about Credit Due to Buybacks, Changes

Lenders Put Borrowers Through the Wringer
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