You are entering the confidential and personal website of the planet's foremost leading Mortgage Therapist! The information on this website is my personal opinion and despite the fact that it may be accurate and extremely helpful, it is not approved by my employer, thus my employer cannot be held liable. This information is for educational purposes only and assumes that the viewer has a sense of humor, no knowledge of the mortgage process, but a disturbingly intense desire to learn about it. Do not be insulted if it seems basic. Enter at your own risk. The views and opinions contained in this website are mine alone and do not represent the views or opinions of any other individual or entity.