There certainly has been some major changes over the last few months in the mortgage industry.  The LA Times enlightens us with saying, “The term “mortgage meltdown” has become so commonplace that borrowers might assume that this is a tough time to get a mortgage.” So I say to you now, rid that belief that the mortgage market is in a crisis and talk amongst yourselves, and your lender.Glady’s, as we all know, places her trust in not too many people. But she lays down her binoculars and pulls out her magnifying glass to zoom in on one individual in which she feels confident will provide you with no-nonsense financial facts.  Doug Burton is a Senior Loan Consultant with First Financial and can be reached directly at 310.478.0180.