Darren Ratcliffe, president of Harbour Mortgage Home explains how the mortgage industry has changed over the years and how the current market conditions affect new home buyers. For mortgage advice expert in the greater Indianapolis, fishers, caramel, spirit, Call Noblesville, Westfield and Zionsville, Indiana, at Harbour Home Mortgage (317) 770-2151 or visit www. harbourhomemortgage. com