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by CareyBot

Editor's note: Inman News has embarked on a Roadmap to Recovery editorial project that focuses on a future path for the real estate industry (click here for details). In this piece, columnist Tom Kelly explores possible changes in store for the residential mortgage sector.Will the lessons learned from the real estate slowdown spark genuine creativity in marketing and lending to push more sales? What are the chances that the residential mortgages bought and sold in the secondary markets will revert to the conservative portfolio business that existed before the first securitizations in the early 1980s? The real estate industry will recover, but it will be different. The "when" obviously depends on the "how," and a variety of options will be discussed and debated bef...