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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 always been drawn to the great American sport of Football.  Not the one where you kick some ball around, but the game where you run as fast as you can and crash into another player who has an weird shaped ball that can be thrown great distances.  One of my all time favorite coaches is named ...
The picture above is from a game I personally attended last Saturday afternoon in Rice Eccles Stadium. In my state the two top college teams, BYU and Utah play their grudge match every November.  Sports in our culture have become synonymous with allot of events in our lives, and like this picture...
This is not my idea to take credit for, but it's a good one.  My partner and I recently completed hours required for continuing education to maintain our mortgage licenses.  ABConduit held a seminar at a local hotel and advertised Greg Frost of Greg Frost Mortgage in New Mexico.  For those whom k...
  Sometimes we need to stop and smell the roses.  I had to laugh the other day when a close friend of mine made a joke about how I should have all the time in the world to do what I want, since I was self employed!  I had to chuckle, because his observation from others he knew in our industry is ...
I read an interesting blog regarding these new mortgage reducing strategies, like United First Financial, the one mentioned in the blog. The reason I knew which company he was referring to was due to recent contact from some of their representatives in the past week.  The strategy that this comp...


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