General insight. I have been in the mortgage industry for 15 years and have seen some major changes over that time period.  I really love my this industry and look forward to a time of stability and availability of mortgage products sufficient to meet the needs of the majority of the market.  Until that time, successful business is dependent on clear, concise communication from both sides of the table and the willingness to tell the painful truths to understand the real situation. I spent 6 years in the United States Marine Corps. as a helicopter crew-chief, and