A former 20-year mortgage banking professional, now independent financial industry consultant, information arbitrageur and risk enlightener, 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 equities, bonds, commondities, futures or options. I will do my best to always disclose if I indeed do have a position in a company mentioned.