Part of our job at Mortgage Marketplace to give our readers an idea of what will happen in the coming months. In that spirit, we have adopted the theme 9&4 in 1994 - nine people, four issues that will have an impact on the mortgage marketplace in 1994.

Mortgage bankers will probably see one of their worst nightmares come to reality in 1994, but not at the hands of Congress - it'll be the doings of HUD and the Justice Department.

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