This is the 5th year we have held our Website & Internet Originations live class here in Southern California, it's the one class I personally teach that I enjoy the most. This week-end we're having our latest session, and I'm looking forward to it. The internet has changed a great deal since this class started, but the basics which surround the things we focus on haven't, even though I have constantly updated my presentation - so it stays right on target!

I see zero signs of even 'remote pockets of improvement' in our industry, I'm afraid the pendulum will swing back in the other direction (like it always does during these correcting cycles) for as many years as there were 'good times' with soaring home values and historically low rates (Fall 1998 to late 2005). Considering all the egregious activities of loan providers (both retail and wholesale) - this deep clensing is the punishment so many so richly deserve - when you look at it through the eyes of what they did to so many unsuspecting homeowners.

When consumers are engaged working with loan officers and mortgage brokers/bankers they never understood they are dealing with 'high commissioned sales people' - when in their hearts they felt they were working with professionals with a fiducary duty to act in their interests first. The degree to which so many were taken advantage of, is sickening.

On a lighter note the All Star break is now behind us and they're off and running for a divsion championships -- that is our home team (the Brooklyn Dodgers of Los Angeles NOT the Anaheim Angeles of Los Angeles) I'm going to continue to support - next game we go to - is Wednesday the 18th! Goodie! Dodger dogs!!