Products don't harm people; people harm people.

We're not in uniform. They see that we're people, too.

If you research rates, everyone will be within about 1/8 of a percent. That doesn't mean you can't find something below, but if it sounds too good to be true, it almost guarantees it is.

Prepayment penalties have been around since the beginning of mortgages. They are part of the pricing with many of these loans, and there's nothing wrong with that. What's wrong is when you're told you don't have one and then you find out later that you do.

Some of these firms claim to be located in Bellevue and Seattle, but we find they're not at the addresses given. Often they're in Canada.

These kids have a better chance of finding trouble.