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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.

ARCHIVED BLOG POSTS

2008 

Often you hear different theories in regards to where real estate values should be.  The reality is often different then what one may hear.  For years I've been under the impression that real estate is a function of supply and demand.  You have a certain number of homes, and a certain number of b...
12/29/2008
My wife and I have 5 children, and at this point we've decided that this is enough.  As many women know, breast feeding children can have debilitating effects on their breast tissue.  Breast augmentation is one of the more popular solutions to this issue, (one that I endorse!!).  But if you do a ...
12/12/2008
My wife and I have 5 children, and at this point we've decided that this is enough.  As many women know, breast feeding children can have debilitating effects on their breast tissue.  Breast augmentation is one of the more popular solutions to this issue, (one that I endorse!!).  But if you do a ...
12/12/2008
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