Interest-only loans are ideal for upscale people who want to live as inexpensively as possible, especially if they think they'll be in the home only two or three years.

(Specialty loans) are OK for people with money in the bank who want to use the (monthly savings) for other investments. But they're not prudent for people who don't have a nest egg and can't afford the risk.

A 30-year fixed loan is really an insurance policy that the rate won't change.

I figured there'd be a lot of phone calls, a lot of interest and stories. But I'm preparing for just another game, another chance to put a 'W' on the board.

The hype is off the housing market. Prices are high. Interest rates are climbing. Housing needs to cool down so the market can return to normalcy.

No, I'm not interested in politics. I have zero interest. I have interest in hope and people.