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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.

ARCHIVED BLOG POSTS

2006 

I'm sorry but every once in a while you need to recharge the battery.  Christmas is only a few days away, and yesterday I watched a great new movie.  I'm also excited to see a number of other good movies coming out in the next few days.  So let's have some fun, I'm going to break it into 2 catago...
12/21/2006
It was my pleasure to watch Rocky Balboa the movie today.  I was worried that the movie would be a flop like Rocky V, but after reading a few reviews of the show this morning, and being under the weather, I decided to take a personal day and go see a show.It was your typical Rocky movie, except t...
12/21/2006
After finishing 11-2 the BYU Cougars polished off some Duck last night, 38-8!  As some of you know I'm a big sports fan, and college athletics seems like there is so much more passion then professional sports.  Sorry if some of you hate sports, but I find so many parallels to real life through sp...
12/21/2006
What is up with all these blog posts that have a chart with no commentary at all.  It's like the author ( I use that term loosely) takes their mouse, takes the cursor, copies the content, and pastes it in the entry area and hits submit.  WHY? WHY ? WHY ?  And another quesion, Since when did Activ...
12/21/2006
You thought real estate agents and mortgage loan officers made allot, you've not seen anything yet.  I was watching nightline the other night and heard it was a banner year for Wall Street bonuses.  Well the numbers are in and check out this link....http://www.breitbart.com/news/2006/12/19/D8M47A...
12/19/2006
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Sometimes I wonder why I go through the stress of mortgage originating.  Then I look at this picture in my office and it all makes sense.  I hope you all remember why your working so hard as well.  I hope you all enjoy your families this Christmas!Merry Christmas from the Christens !!!May God ble...
12/19/2006
December has been my best month ever!!!  That includes 2003 and 2004, and though we had a better year in 2005, December 2006 will go down in my history book for now!I contribute it to my great business partner, my loving wife who tolerates my ridiculous long work hours, and then I spend time on A...
12/19/2006
I'm finding that there is allot of interest in terms of how credit works with the 3 major credit bureau's.  Allot of these questions I've taken for granted due to the position I'm in as a mortgage loan officer.  I'm sure that others may know allot more about this subject, but I've been doing this...
12/18/2006
I've been working with credit reports for over 15 years now.  There are some basic steps you can take to improve your credit quickly.  Sometimes it's simple, but often in can seem mysterious and sometimes down right depressing.Here are a few quick tips to get those scores soaring... If you need 2...
12/18/2006
I just met with an incredibly gifted and talented young man named Travis Parry.  www.nmfn.com/travisparry We had a very good converstation about "missed equity", and how it related to our present clients.  Travis also opened my mind to a quality product, "Disability Insurance", which he sells thr...
12/18/2006
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