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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 just wrote a blog criticizing a couple of real estate agents in my local market.  The criticism was based on actual experiences and it was interesting the response I received from some of the real estate agents that contribute to this ActiveRain community.  It does seem that when any agent is c...
I've been one of the largest critique of what listing agents do to sell a home.  I've personally had two horrible experiences with agents, and frankly wonder if any of them really know how to sell a home.  Now to set the table, I'm a lowly mortgage loan officer, so how would I know anything about...
Preparing my seminar I remembered a concept that I heard from another seminar that I attended.  Basically they set the stage by drawing two circles.  The first circle represented all the information that we "Know" and what "We don't know".  Then he drew a circle that represented what "we don't kn...


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