In 2003 I refinanced my home, it was a lot easier then dealing with the morons at a bank.
I had an independent agent (who likely got $500 for her work) and she came right to my home and the wife and I signed the papers, it took 15 minutes. I walked her out to her car and she thanked me for my business. I personally dont see a problem with advertising for loan services as long as it is responsible lending and not the BS that has occured with loaning $250,000 to a person or persons that make $20,000/ year working at a restaurant as a waiter.
When home mortgages are treated as if they were a joke, (like no possibility of repayment) Then the system will eventually collapse.
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Today's Featured Article - A Lifetime of David Brown Tractors - by Samuel Kennedy. I was born in 1950 and reared on my family�s 100 acre farm. It was a fairly typical Northern Ireland farm where the main enterprise was dairying but some pigs, poultry and sheep were also kept. Potatoes were grown for sale and oats were grown to be used for cattle and horse feeding. Up to about 1958 the dairy cows were fed hay with some turnips and after that grass silage was the main winter feed. That same year was the last in which flax was grown on the farm. Flax provided the fibre which w
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