The software industry has this crazy knack for reinventing itself about every four to five years. Building on the ASP/Web services legacy, companies started utilizing the Web for products and services on demand. Interfaces can be looked up, discovered, connected and called upon in real-time. This brings you to one of the latest innovations in the technology arena -- cloud computing. Cloud computing takes Software as a Service to the next level by localizing products and services for a common purpose. As evidenced at the recent Mortgage Bankers Association National Technology in Mortgage Banking Conference, this may be a silver lining in the technology space that lenders need right now: A dynamically obtainable service-based resource that is both scalable and virtualized over the Internet securely. The way cloud computing works is that your information technology resources are connected to the cloud, where they become part of it. Cloud computing is the next generation of Web technology currently hitting the streets.