Michael's Blog http://activerain.com/blogs/pajak en-us 501778 The mortgage industry is certainly changing. <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I started off by getting most of my business through leads and cold calling, especially when i first started. Most of the buiseness was coming to me. Although rates have dropped tremendously, Im not getting all the refi&#39;s i thought i would. I suppose things are getting a little better due to the time of year.Does anyone see things getting back to normal anytime soon?</p><p>&nbsp;</p> Michael Pajak (A+mortgageservices) Thu, 08 May 2008 10:02:56 -0500 http://activerain.com/blogsview/501778/The-mortgage-industry-is