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Forget about financing, lending and credit services. Stripping it down to the basics, Irwin Mortgage is simply in the shelter business, which, according to Branch Manager Mark James, is a "Phenomenal" business to be in. "We have four basic necessities, and after you get air, then water, then food, you need shelter," he says. However, phenomenal doesn't exactly describe the company's 33.1 percent decrease in sales last year.
Irwin Mortgage, which specializes in securing mortgage loans for minorities, immigrants, first-time home buyers...