Size Matters — and Smaller Is Better!

The mortgage crisis has clobbered

the market share of the biggest lenders in the country, and that could be a good thing.


When Dinosaurs Ruled the Earth

As recently as 2010, the country’s five largest mortgage lenders controlled a whopping 2/3 of the market, according to , and borrowers who didn’t drop neatly into their little boxes were largely out of luck. That went double for those who were underwater and needed the HARP program to refinance.

So much business concentrated in the hands of a few huge companies also had a chilling effect on competition for your business. This became apparent when industry analysts discovered that lender profit margins were , and they concluded that rates did not come down as much as they could have because lenders were operating at capacity with no incentive to reduce prices.

2012 was the Year of the Little Guy

By 2012, … It is a self study course which makes all the videos and assignments available to be done at your own pace, but without a certificate of write my paper for me completion at the end

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