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Downturns are inevitable in the mortgage industry. They’re part of the cycle. They can fill you with dread as they’re always leering just over the horizon, taunting you with their inevitable presence.

The good news is that because you know it’s coming, you can prepare for it. When it hits, you’re not left wringing your hands with anxiety and wondering what to do. The plans, practices and actions you put in place now will be the exact things that carry you through when the market gets tough. These are the things that can make all the difference between sailing through and going out of business.