New rules took effect today that make significant changes to the way mortgage loan officers get paid. A judge in Washington yesterday ordered that a temporary stay that was in place since last Friday to be dissolved. The decision means that rules that were supposed to take effect on April 1, are now in place. The ruling represents a defeat for the mortgage industry, which has contended that the rules are unfair to loan officers and will also hurt some homeowners. Under the old rules, mortgage brokers and bankers could get paid a commission based on the interest rate they got a borrower to agree on. The higher the interest rate, the higher the commission. But consumer groups said that meant lenders sometimes steered borrowers to loans that they couldn't afford. Under the new rules, lenders only get a commission based on the size of a mortgage loan. The new rules were handed down by the Federal Reserve to cut down on predatory lending that took place during the housing boom a few years ago.