The past month work has been steady. It seems like I am doing more field reviews than purchases. The tax credit has been extended so hopefully new homebuyers are taking advantage of this. Refinances are getting more and more scarce and with all the T.V. publication you would think everyone would be refinancing into a better and fixed rate. My home, however, is not backed by Fannie Mae or Freddie Mac so even thou my loan is over 60% of my income and an adjustable rate there just isn't anything available for me yet. I have spoken to Bank of America several times and I have to default to get any assistance. Sad. I did manage to have my first seller closing on Nov. 2, 2009 and was excited to see it all the way through. January brings uncertainty and excitement. Now any FHA loan can't be ordered through a mortgage broker or anyone receiving commission off loan. There is a new software known as Comp Cruncher that was developed to assist appraisers in deriving value. This software creates graphs, predicts future outcomes and gives a good picture of what is going on in the subject's market area and should be a great benefit making things a little easier for the appraiser. Zaio is on its way back and Headstrong. Being a zone owner myself I am looking for the many advancements made during the next year and changes Zaio will be making to benefit lenders and zone owners. It is going to be a challenging year and hopefully it brings prosperity.