SANTA ANA, CA--(Marketwire - Dec 5, 2012) - "Supply and demand tell much of the rate story but not all," says Ray Brousseau, Executive Vice President with Carrington Mortgage Services. "Revised regulations are on the way and if new guidelines from Washington and overseas get too tight it's likely that borrowers will be faced with higher rates, demands for greater down payments and tougher qualification standards. Many borrowers who can now get mortgages may be unable to borrow if proposed new rules become reality."

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