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The problem starts with the conservative appraisal standards implemented during the financial crisis.
A white-hot mortgage refinancing boom should continue well into 2013, experts say.
One in three consumers say they would consider a Wal-Mart mortgage, and some would even work with PayPal.
Mortgage points, banned by the Dodd-Frank reform act, are coming back, and in the right scenario, they can benefit homebuyers.
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