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Have you ever noticed how intrigued the American culture is with things that are retro?  My two 20-something sons love retro clothes, especially square-bottom, striped knit ties. We buy everything from toasters to cars all designed to look like grandma’s.  We spend millions of dollars each year designing new homes and additions to look like those much-admired 100-year-old homes we dream of living in … crazy fascinations with “what’s old is new again,” right?

Like all things retro, they have to disappear for a while before they return as trendy. The next “comeback” is right around the corner in the lending industry too: the return of the second mortgage and HELOC. The difference is today’s products must be produced better, more cost-effectively and safely and with far more consumer understanding of what’s being purchased.  

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