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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 was just made aware of a serious issue that most likely has been discussed already on ActiveRain.  But for anyone who is not aware, there is little time now to respond to an issue that could have severe implications in our industry. Please vi...
I've written a number of blogs on credit repair or restoration, and I have the pleasure of referring one of the premier credit restoration specialists that I've ever known.  The fact is that Steve Paige may indeed be one of the industry's premier experts when it comes to credit matters.  The foll...
327% Foreclosure increase from 2007 in LA countyCan you say.....OUCH.....This reminds me of 1995 and 1996 in the Palm Springs market.  I remember speaking to home owners that told me these incredible stories of homes that people walked away from in droves.  Now the problem may even be much worse,...
Heard about this amazing financing source for mega jumbo loans. Received the information off of the Grapevine at, we actually have a client whom can meet the minimum requirement for reserves. My partner and I have found very little through the better business bureau or the inte...


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