A former 20-year mortgage banking professional, now independent financial industry consultant and information arbitrageur, here to tell you the real story and guide you through the maze of lies, spin and half-truths regarding the housing and mortgage sectors and their players.

At any moment in time I maybe long or short the financial markets. I will do my best to always disclose if I indeed do have a position in a company mentioned. If I do not disclose, I do not.