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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 the mortgage/real estate industry for over 10 years now.  I can also remember back to the early 80's when my parents struggled with 18% interest rates.  It's been interesting watching real estate and how it's kept pace or exceeded inflation over the years.  I know allot of people ar...
I used to think Tony Robbins was some kind of flash in the pants motivator.  Who hasn't heard of the guy who's always smiling with those big white teeth.  I remember when he helped Andre Agassi over his slump in the early 90's, and I wondered why he was looked as such a rock star by his adoring f...
I mentioned yesterday that I attended the Strategic Equity Summit 2007 in Las Vegas.  I love to attend these conferences.  After the daily grind of meetings, consultations, and day to day issues, it's just nice to enjoy opening my mind to different idea's and concepts from super producers within ...
I hope some of my fellow mortgage planners were able to attend the Strategic Equity Mortgage Conference in Las Vegas this past week.  I know I love taking a week away from the office, immersing myself in the simple pleasure of learning and recharging the proverbial battery of desire, and I'm not ...


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