One mans journey through the Hard Money Loan industry. Don't believe the government hype and the whining you hear in the press. Truth is that most of these folks just couldnt afford their homes. Doesn't take away from the single homeowner who fell on hard times. These are folks addicted to spending every dime they have and not on the home. The culture of America and it seems our government. Just keep spending and worry about the debt down the road. Seems we are who we elect in this country.