Ray and his brothers run the firm they took over from their dad.

Obviously, in terms of the "Big Picture" there has been a crisis of secondary market confidence with regard to the enormous increase in borrower delinquencies and pending or actual forecclosures which has led to a major culling of the ranks of wholesale mortgage lenders... now probably close to 125 lenders who have closed up shop within the past 5-6 months.Actually, many of those lenders were little more than "Super Brokers" in that they relied upon warehouse credit lines or correspondent relationships with "Big Brother' lenders.It's somewhat analagous to our belief in the notion that a $100 bill is actually worth $100.

To me, it just sounds like an ad that everyone and their brother uses.

Everyone and their brother is trying to capitalize on that market, and its saturdated..

The reason being that I plan to do this is plain and simple: My grandfather worked all his life to pay off that house and one of my moms brothers came in and convinced my gandma to get him a loan and he never made good on it.

Working with my brother and his G/F......We're 21 , she's 19 :) Time is on our side.

If they say something like my mom gave it to me and she got it from her brother, I know its probably going to have issues.

Also, just because you are a crack lender don't have a fraternity brother that might have a better deal with better loan costs take over a customer....don't make promises with a referral.

His brother is a near do well and served as contractor.

Brother KirkBishop;Your question is too vague.