Total Financial Fitness Blog

Follow me
Education & Training - XYZ Sales & Consulting Group - NMLSRID#887159
Like your body, often we spend far too little time on our finances. Total financial fitness is more then paying your bills on time. Total Financial Fitness takes into account your personal financial picture. Total Financial Fitness involves mortgage financing, investing, insurance and budgeting. Hopefully you'll find advice relevant to help you be financially fit.



I've been in charge of training new loan officers for the past year.  It's been both rewarding and frustrating at times.  I've noticed that each new recruit comes in with unique reasons why they want to be mortgage professionals( I use that word lightly).  I've noticed one basic ingredient that i...
I'm not an expert in regards to financial markets, but I keep a pretty close eye on inflation, oil prices, and the bond market.  I've listened to experts in this field like Barry Habib, and subscribe to several online services.  In the market I compete in we're actually doing better then the rest...
As a mortgage professional, my job is to provide my clients disclosures on what the true cost of borrowing money is going to be.  In other words, we are supposed to hand out government required disclosures that will tell a borrower the whole truth and nothing but the truth.Yeah...RIGHT!  The trut...
My son was born in 2001, and today was a sombering reminder of the future that my lie ahead.  Sorry to get alittle political, but it makes me happier but worries me as well that we've made progress in the War on Terror, but we're also farther from ending it as well.  I'm no longer sure that dialo...
If your from the California market you've probably know more then anyone in regards to how to sell a "cash flow" or "option" loan.  You know, the loans with the four different options each month.  In Utah, (we're really conservative), we've been taught that a mortgage is a necesasry evil, and onl...
Anyone who's been through a hard money transaction may know what I'm talking about.  It's a whole new ball game then normal residential lending.  Especially when it involves a purchase deadline.  I have a guy buying a "big" home.  His scores are 30 points to low, but he got himself into a bind wi...
I'm selling my home right now through a realtor that I trust.  She and her partner are actually related to one of my partners, so I know what is going on allot of the time.  She's a pretty decent producer, but I did notice some things that I brought up with her.  One specifically is that I never ...
I don't know if this will strike a chord in most of you, but it hit me this morning how hard we struggle to control our time, our lives, our weight, or job.  The problem is that I often feel that I'm one of those greyhound dog's in one of those florida dog races.  I keep on chasing the bait, but ...
The debate rages on in Utah regarding the status of loan officers.  For those who are unaware, Utah's real estate department and legislative body have concluded three years of the most stringent laws regarding mortgage professionals.  The big debate like other area's of the country center around ...
If your in the intermountain west or west coast, don't miss the Missed Fortune Summit!I've been able to derive a number of idea's from these events.  Doug Andrews team has brought together a number of great speakers and it looks like a blast. I'm bringing down a number of my associates with me to...

Karl Christen

Ask me a question
Spam prevention