NOTICE: For some reason the first :02:37 did not record voice. Apologies. Simply skip to 2:37 and you will hear the remainder of the broadcast. Catch it live or catch it later the 11/12 10:30AM Eastern show is a quick jump into where the mortgage industry is today. I can do the same as other economists and guess at where it will be tomorrow but it is, after all - regardless of experience and education, a guess. The second half will touch on RESPA reform with the new GFE and HUD1 - if I have any callers I will answer questions ;) Go to this link and pick up both forms to review yourself. They are in PDF format. Twitter me @thekencook