The refinancing boom will never end. The unusual stretch of perfect weather in the Bay Area will last forever. And the annual western secondary mortgage market conference is a version of heaven.

That was the heady mood in San Francisco last week as the nation's mortgage bankers, 1,500 strong, gathered to listen to speeches and make deals. The attendance was the biggest in years, said Kathy Wedeking of the California League of Savings Institutions, which sponsored the conference. She said the long list of attendees reflected the mortgage boom of the past few years.

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