Lets just say that the very things in life that keep people poor is the normal behavior at the office. 

But my experience has also been that by imitating the successful behaviors of people I have actually met and know to be successful (versus sorting out what works/doesn't work, what's real/not real, which is the best of a multitude of opinions - and which are qualified opinions or unqualified opinions), I am also more successful and avoid some of the "muck".  

From what I understand the banks allowing 0% down and Interest only loans as well as other risky behavior was a major contributing factor to the bubble.

@Chris Martin The service fees he's talking about are actually displayed prominently on the cost comparison we (OD) send to every seller who requested an offer.

This is opposed to signing a quick renewal because they can't move and causing disgruntled feelings that encourage poor behavior (delinquent rent, complaints, more maintenance reports, treating the property badly, and non-renewal in the future). 

I looked at their website and they are a lender of govmit backed loans so the 3.5% is probably a starter rate on an owner occ adjustable its pretty easy to compare those  you can just call your local BoA or Wells and see what they are offering.my only concern with their website is they don't have the NMLS license listed and state license which I find very odd for someone with that big a profile that is the law that you display those on your advertisements /  website.

Do you like answering the phone when the display says "scam likely"? 

It is pure behavior economics, they "trick" themselves into paying more each month which leads to faster payoff and lower amount paid.   

You can always invest after paying off bed debts, as investment will be a long term goal and getting rich and staying rich is behavior and process.

No doubt, exercise and wise personal financial behavior are generally good, but they can be taken to excess - we've all seen it.It's a tricky thing to keep the servant and the master in their proper places.