2012 Update: "Mortgage rates should stay pretty stable this year. The European crisis, declining demand in China and India, as well as this being an election year in the U.S. portents relative stability in 2012."

As a former Account Executive for several major lenders, CFO and then president of several other operations, Al is excited to be working with the Mortgage Group and management team at Bank of Texas (BOKF, NA).
(2011 commentary) "2011 portends a turn around in the lending and housing industries in the U.S. It appears that home values have approached their bottom and certainly mortgage rates are on an upward trend (from historic lows in 2010). "
(2010 commentary) "I think we will see 2010 become a watershed point in American home financing. I expect 2010 to be the start of a different perception of mortgage loan financing in the United States. We can be proud of the agencies that have come together to form the NMLS (National Mortgage Licensing System), which will be implemented nationally by July, 2010 - and mark the end of deceptive lending practices. The consumer can finally compare apples with apples.(All mortgage loan officers will be required to pass national exams as well as go through thorough background checks)."
With over 15 years experience as not only a mortgage loan originator, but broker, account executive, CFO and CEO in the industry - Al brings a wealth of experience to your mortgage experience (whether it is for your primary residence or you are looking at financing an investment property).

Prior to his current position, he worked briefly as a consultant for Administaff (a leader in human resources outsourcing).

Al's expertise also includes business consulting, internet marketing, accounting, training, financial consulting and crisis management.