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Education & Training - Independent Leadership & Financial Fitness Consultant
“Whoever does not wish to render history incomprehensible by departmentalizing it – political, economic, social – would perhaps take the view that it is in essence a battle of dominant wills, fighting in every way they can for the material which is common to everything they construct: the human labor force.” – Bertrand De Jouvenel I used to be part of the problem, now I'm hoping to be part of the solution. For 20 years I've helped families in Utah acquire loans. I refinanced hundreds if not a thousand mortgages, I've also helped hundreds of home buyers throughout Utah and other locations. Though I didn't realize at the time I was part of a economic system that is strangling and subjecting millions to economic slavery. I'm not suggesting that mortgage lending is "evil" or unnecessary, however, even after the Mortgage Meltdown in 2007, we still give money to millions who are not ready, nor have the "thinking" or "habits" they need to pay down their mortgage. I always knew that the posted rates we gave our borrowers were based on our customers paying their entire loan off over 15 or 30 years. What the borrowers never realized is what the "REAL" interest rate they were being charged by their banks. This blog will hopefully help those ethical mortgage and real estate agents who understand the great responsibility they have in helping their customers acquire what we call the "American Dream". I hope this blog also gives the prospective homeowner prepare themselves financially for making such an important purchase decision. I also want to caution those homeowners considering their mortgage as a giant piggy bank to draw against for expenses that will never provide any type of long lasting return. Thanks for reading my blog.



I've been in charge of training new loan officers for the past year.  It's been both rewarding and frustrating at times.  I've noticed that each new recruit comes in with unique reasons why they want to be mortgage professionals( I use that word lightly).  I've noticed one basic ingredient that i...
I'm not an expert in regards to financial markets, but I keep a pretty close eye on inflation, oil prices, and the bond market.  I've listened to experts in this field like Barry Habib, and subscribe to several online services.  In the market I compete in we're actually doing better then the rest...
As a mortgage professional, my job is to provide my clients disclosures on what the true cost of borrowing money is going to be.  In other words, we are supposed to hand out government required disclosures that will tell a borrower the whole truth and nothing but the truth.Yeah...RIGHT!  The trut...
My son was born in 2001, and today was a sombering reminder of the future that my lie ahead.  Sorry to get alittle political, but it makes me happier but worries me as well that we've made progress in the War on Terror, but we're also farther from ending it as well.  I'm no longer sure that dialo...
If your from the California market you've probably know more then anyone in regards to how to sell a "cash flow" or "option" loan.  You know, the loans with the four different options each month.  In Utah, (we're really conservative), we've been taught that a mortgage is a necesasry evil, and onl...
Anyone who's been through a hard money transaction may know what I'm talking about.  It's a whole new ball game then normal residential lending.  Especially when it involves a purchase deadline.  I have a guy buying a "big" home.  His scores are 30 points to low, but he got himself into a bind wi...
I'm selling my home right now through a realtor that I trust.  She and her partner are actually related to one of my partners, so I know what is going on allot of the time.  She's a pretty decent producer, but I did notice some things that I brought up with her.  One specifically is that I never ...
I don't know if this will strike a chord in most of you, but it hit me this morning how hard we struggle to control our time, our lives, our weight, or job.  The problem is that I often feel that I'm one of those greyhound dog's in one of those florida dog races.  I keep on chasing the bait, but ...
The debate rages on in Utah regarding the status of loan officers.  For those who are unaware, Utah's real estate department and legislative body have concluded three years of the most stringent laws regarding mortgage professionals.  The big debate like other area's of the country center around ...
If your in the intermountain west or west coast, don't miss the Missed Fortune Summit!I've been able to derive a number of idea's from these events.  Doug Andrews team has brought together a number of great speakers and it looks like a blast. I'm bringing down a number of my associates with me to...


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