The mortgage business is no longer a waiting game for lenders who had relied for years on realtors, home builders, and brokers for customers.

Pressed by competition, the lenders are shedding their hands-off style and aggressively marketing their mortgage products directly to potential customers who qualify both for low-risk and high-risk loans. And they're using direct mail, telemarketing, television, radio, and even the Internet as marketing tools.

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