As the real estate season starts to crank back up, mortgage companies and banks are finding new ways to increase their bottom line.  Every home buyer should take the time to educate themselves, well in advance of applying for a loan, in the intricacies of mortgage loans.  A recent article in Realty Times, click here, details how the home mortgage game is changing and it is important that each home buyer be aware of the changes before you get into the game.