The time has come for a brief conversation about taxes. No way around it, if you don’t show income and pay taxes on it, it is almost impossible to qualify for a great mortgage loan. While there are a few portfolio lenders out there making loans, most of the loans being made are being sold to entities that will require seeing full sets of tax returns. Continue reading

If you are a loan originator, you need to know that there are actionable items you can do today to close more loans, build stronger referral partnerships and make 2012 your best year in business! This is not the time to sit back and cry about the "good ol' days"... Continue reading

People often ask what the benefit is to having a coach or a mentor. I think we can find the answer in all fields of endeavor. Athletes have always sought out the direction and assistance of coaches to help provide or enhance skills and to help develop a higher level... Continue reading

As a business coach to some of the finest mortgage and real estate professionals in this country, I have found the need to share these thoughts and perspectives with my clients to help provide a space in which to share information and options for all of those dealing in today’s... Continue reading

Harry S. Truman wrote: "Not all readers are leaders...but all leaders are readers." Mark Twain wrote "The man who does not read good books has no advantage over the man who can't read." Never, ever stop learning! Reading books to continually expand your knowledge base and to give you fresh... Continue reading

Observations and interpretations by Michael F. White CMPS™ Well, here it is. More than 700 pages of law that I have sifted down into a few pages and six areas we all need to be aware of. Not in any particular order, here is what I see and how and... Continue reading

By Michael F. White CMPS™ We don’t need politics. We certainly don’t need a bail out of any kind. We need solutions. Here is a plan that can help get us back to where we need to be by providing investment and a plan. There are three major challenges that... Continue reading