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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.



What does suitability mean?  If your a financial planner and you've passed your series 6 or 8 license requirements, you know that suitability can apply on many levels with each client.  I was speaking to one of my neighbors who happens to be vice president of one of the largest insurance groups i...
So the market is up 170 points today.  The Fed has promised to do what ever it takes to keep credit markets in play....see report , and consumer spending is through the roof....see report  .  Hasn't anyone heard that we're in the worst real estate market in over 16 years and it could easily equal...
About four years ago I was approached by an associate of mine who was asked to help on a number of home purchases.  My associate trusted my opinion and had me look over the deals. I explained that it was impossible to get back the cash on the properties due to seasoning issues.  I wondered immedi...
Finally someone is doing something about the mortgage crisis.  The question is if the Federal Reserve is acting to late?  What they are proposing has been discussed for some time.  Here is the Bloomberg article in its entirety. What does this mean for borrowers, well it's great for anyone with a ...
LINKING HOTLINE   Top sites to link your listing For those of you who are the do it yourself types and do not wish to list with a real estate professional (which in most cases I do not recommend), and need some help in terms of locations to list your home, the following sites are excellent for co...
Recently there has been allot of bad news in the mortgage industry.  We're having ever increasing foreclosure rates, mortgage default as at record levels, and everyone is now pointing their finger at everyone or anything they perceive as responsible.The problem is most American's do not point bac...


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