Are Refinances Really Gone?

We are hearing a lot of rumbling about refinances being gone and the only new loans being done will be in purchases.  We hear it at MBA conferences, we hear it from other news sources, and there is even discussion of percieved value vs actual value in owner opinions.  

Maybe it's not that bad?  Ken has some thoughts on that and will fill you in. Also some encouragement on how to view this and make the best of it! 

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