Today's mortgage borrower is the most suspicious and distrusting in decades. With the turbulent times and all the negative media of today's mortgage industry, borrowers are wary of the intentions and integrity of mortgage originators.

However, their needs to refinance, get cash, consolidate debts and purchase homes are just as real as always.

So how do we build the borrowing publics' confidence back? Be up-front, real, and honest with your borrowers.