February 1, 2017
loan sign

Making the Numbers Dance…. Part 2

I am going to say something that will likely make your head explode, so I would encourage you to get some towels and maybe a mop […]
July 29, 2016


#1) Thou shalt NOT change jobs, become self-employed or quit your job. #2) Thou shalt NOT co-sign a loan for anyone. #3) Thou shalt NOT buy […]
June 17, 2016
pouch of money

Making the Numbers Dance…. Part 1

Toward the end of my tenure with Washington Mutual- which coincided with the end of Washington Mutual- in an ill-conceived act of bravado, management continued to […]
March 30, 2016

Your Cash is No Good Here

The blogs that come most easily are directly inspired by questions or concerns voiced by actual mortgage clients…. Unfortunately this one came from a complaint.  I […]
March 23, 2016
home money calculator

Underwriting and Truth….. Part 2

Although it sounds relatively simple, the price we are now paying for the abuses that took place 10+ years ago are those damn HOOPS. Although the […]
March 15, 2016
mortgage application and key

Underwriting and the Truth, Part 1

At a recent town hall meeting a 24-year-old self-described “Hispanic” man complained about the ‘hoops he had to go through’ to get a mortgage’, to which […]
March 5, 2016
approved mortgage application

A Day in the Life of a Mortgage Broker

The other day I got a call from a man on behalf of his parents. They were- as he described them- ‘old school, off the boat’, […]