no longer valid

Follow me
By
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

2007 

As a mortgage loan officer I am highly aware of the Real Estate Settlement Procedures Act (RESPA), and I'm familiar with the Truth-in-Lending Act (TILA), but an article I just read opened my eyes to a whole other issue that I was previously unaware.  As each one of us know, advertisements come in...
01/08/2007
The pursuit of happiness is a great movie.  I won't put it on the same level as Cinderella man, but Will Smith and his son (brilliant kid), were wonderfull in this movie.  Amazing true story and I highly recommend that everyone that works for a commission see this movie!My favorite part of the mo...
01/05/2007
This is a marketing piece that I send my clients once a year, and the inspiration of this piece was the master of networking and relationship building himself, Dale Carnegie.  As we get ready to go forth and create new relationships in our industries, let's remember that they first have to like y...
01/05/2007
I love to read and someone referred this great networking book to me.  NEVER EAT ALONE and other secrets of success, one relationship at a time, by Keith Ferrazzi.  I have not read the entire book but something early on really hit home.  As a consultant for our company, I am often asked my opinio...
01/05/2007
I know some of my fellow mortgage planners may cringe when they read the headline to this article, but I do hope that we all have an open mind to the whole concept of mortgage planning.  We're not "Mortgage preservation" specialists, but we need to be mortgage planning advisors.  Like everything ...
01/04/2007
Rainer
73,181

K C

local_phone801-599-4291
Contact The Author