Lenders gathered at last week’s convention of the National Home Equity Mortgage Association expressed some skepticism about the value of Internet commerce. "There have been some valuable lessons in the last two years," said Chris Puchalla, chief executive officer and co-founder of technology vendor Subprimex. "Maybe the Internet is not the best tool for acquiring customers – not yet," Puchalla said. Where the net is strong, however, is in its ability to communicate with