Home Mortgage Lending: Past, Present, and Future Section Menu North Carolina Banking Institute Journal -About the Journal --Board of Advisors --Center for Banking and Finance -Volumes -The Balance Sheet --How to Submit? --What is Accepted? --Who May Submit? --Recent Articles -Masthead -Subscriptions -Submissions JOSEPH A. SMITH, JR. Volume 15 - Citation: 15 N.C. Banking Inst. (2011), Page 1 Cite as: 15 N.C. Banking Inst. 1 (2011) North Carolina Banking Institute Journal About the JournalVolumesThe Balance SheetMastheadSubscriptionsSubmissions Go to Top of Page