The controversial June 15 decision by the 11th U.S. Circuit Court of Appeals in the protracted legal battle over yield-spread premium payments is illogical and could deal a devastating blow to homeownership, according to mortgage industry attorneys. The appeals court issued an opinion affirming a lower trial court’s decision to certify a class-action suit in Culpepper v. Irwin Mortgage Corp. The three-judge appellate panel based its decision on its interpretation of the Department of Housing