First of all, let me congratulate all of us for making it through the apocalypse - according to David Letterman we didn’t get called to heaven because we’re all too fat - yeah probably.  Secondly, he had Lady Gaga on as a guest.  Now I’m 60 years old, so I don’t get most of what […]

Not to get all esoteric on y’all but as of April 1st, companies like mine are compensated in two distinct ways. We have to choose one or the other and combining them is not allowed. We can be compensated in what are called Lender Paid Transactions or Consumer Paid Transactions. In both […]

This weekend I did some shopping - as a single guy, I am unaware of what anything costs, I just grab it and throw it in the cart.  Well I get to the check out and the bill was a little higher than I thought it would be.  I didn’t really think about it again […]

How many of you are out of the mortgage game for the foreseeable future - probably not that many if you’re reading this.  Ok How many have family, friends and neighbors that are out of the mortgage game.  They have screwed up their credit - their houses are underwater or whatever.  We used to be […]

This is a topic I have been really pondering lately.  Shops like mine used to get a much larger percentage of the business than we do now.  Why - because the banks have done the best job they can in marginalizing us.  Today for instance for best credit we are offering a 30 year fixed […]