About the Author


Back in the early 2000s, I worked as an Account Executive for a wholesale mortgage lender based in Los Angeles, California.

This meant I connected mortgage brokers and the borrowers they represented with financing from my company or the correspondents we worked with.

Day in and day out, I discussed loan scenarios, scoured credit reports, compared different loan programs, submitted files to underwriting, found workarounds, put out fires, and much more.

During this time, I saw the good times and the very bad. I experienced the boom years and the doom years before deciding to walk away from the gig while other colleagues were being laid off.

Behemoths like Countrywide Financial, IndyMac, and Washington Mutual all disappeared before our very eyes.

But all was not lost. In fact, after several grueling, monotonous years in the industry, something occurred to me…I knew a lot about mortgages!

Because I had learned so much about the process, I decided to share my knowledge and experience with the public.

And I’m confident I can provide some valuable mortgage insight(s) you likely won’t hear from other interested parties, namely banks, lenders, loan officers, mortgage brokers, and real estate agents. You know who you are…

If nothing else, whenever I buy real estate for myself, I’ll have an arsenal of knowledge and helpful information at my fingertips to ensure I snag the best interest rate with the lowest fees.

Or simply choose the right type of home loan for my situation.

And not only for me, but for family and friends too. Of course, none of them actually take the time to visit the website, but you get my point.

My number one goal here is to provide an honest, inside view of the mortgage industry, while explaining the process of qualifying and obtaining a mortgage in the most straightforward and effective manner possible.

It’s confusing stuff, but that doesn’t mean it can’t be explained rather easily. You can even have some fun along the way! Okay, maybe not that much fun, but stick with me here.

There are so many aspects of the home loan process that consumers simply don’t understand, relatively basic things that can affect your mortgage rate substantially, costing you thousands each year, for decades on end.

Fortunately, these seemingly difficult questions can be answered simply by reading blogs like this.

So go ahead, browse the site and educate yourself. Because in this industry, knowledge equals savings. Big savings!

If you have any questions, concerns, or comments, please feel free to contact me and I’ll get back to you as soon as humanly possible.


If you have access to breaking mortgage news or simply have a good link you’d like to pass along, please provide the relevant information. Same goes for all you out there with press releases. Send me one and I’ll write about it if it’s interesting.


I’ll also try to answer questions about the mortgage process, though it’s difficult to answer each one based on the volume I receive. Before you send a question, take a look at the mortgage help topics I have already covered, you may find your answer. You can also use the search box to find related questions I’ve already answered.


If you are a member of the media and have questions you need answered for a story, give me a shout. I’d be happy to help so long as you cite me properly in the story you’re working on. I can provide nice blurbs to accompany any article about the housing market or the mortgage industry.


If you have specific questions about advertising on my site, please don’t hesitate to contact me for additional details. Or simply target my site through Google Adsense if you want to do it the easy way.


If you’re looking for writers/blog developers or interested in partnering up, drop me a line. I’m always interested in being propositioned.

Contact me by using the email address below or via Twitter.


Thanks for visiting!

And best of luck on your mortgage journey…


Colin Robertson