Well you guys are the smart bunch, especially you JWM. And as for some of the posters knowing more than me regarding what’s driving the credit bubble, that’s probably true. I never claimed to know more or less, and as I’ll quote, I don’t have a phd, are consider myself brilliant, but you sound like a smart guy so you probably have everything figured out. Kudos to you

And I’ll go on record to say that I won’t be drumming up any business from this site. Take it however you want. I have enough business in LA to keep me busy, most of the posters on here are from SD so don’t see me doing business down south. I meet all my clients, don’t do out of state loans, service my community which is mostly LA county. And on a personal note, trying to obtain business from a blog like this is like going on a online date, never been turned on to it and not my thing, I think it’s a little on the weird since we do reveal a level of our personal side. Ask temeculaguy about being outed when he walked into a sales office, it’s similar to that.

Aside from some free insight/opinions, I don’t give advice, find that on your own with a mortgage broker / loan officer you’ve met and I don’t mean over the phone either. Shake her/his hand and size up the person that’s going to be responsible for one of the largest financial investments you will be making. And if it goes Weimer, order longer checks to add all those zeros.