Michael Smalley's (msmalley) Blog

A few years ago I implemented a simple, yet very effective, marketing plan.  Each morning I place two blank note cards on my desk, and I can't go home until I have sent them to a client.  My mentor once told me that the loan officer with the most friends makes the most money.  In a transactional ...

If there is one question I get daily, it is what are mortgage rates today and what impacts the direction of mortgage rates on a dialy basis.  While it is important to know where rates are today, it is much more important to be able to explain what impacts them daily and forecast where they are go...

With the divorce rate in the US exceeding 50%, and with the homeownership rate at an all time high, homeownership and divorce frequently cross paths.  Here is an article I wrote for clients in this difficult situation: Protecting Your Credit During DivorceBy: Michael H. Smalley, CMPS® CEO, Wellin...