We have seen more regulatory changes to the mortgage financing industry over the past couple of months and pretty much every year for the past four years. One other change that is in the works is a reduction on the maximum loan to value allowed for Secured Line’s of Credit. Right now a Secured Line of Credit can go up to 80% of a property value. This could be cut to 65%. With generally mortgage refinancing now at 80% (it was 95% four years ago) regulators are trimming back how much equity a borrower can pull out of their properties.