I'm Chris Jones; I run the Lehi Main Street Branch of City 1st Mortgage Services, which is itself a Utah company based in Bountiful. I'm an 8-year industry professional that has done everything from internet leads (Lending Tree, etc.) to running my own independent brokerage. I believe in understanding everything about the mortgage process from the application through the eventual securitization of the mortgage note. I also believe that YOU don't have to understand all that, but you'll be better off if you work with someone who does. I specialize in Utah mortgages, but I lend in most states across the country. It's easy to learn about me, which I recommend you do before you contact me. At www.lehilender.com, I publish a personal blog, a finance blog, a RateWatch email alert for my subscribers, and I write a weekly column for the Daily Herald online. I'm on LinkedIn and on Twitter (@chrisjoneslehi), and if you Google Chris Jones Group, you'll be drowning in information. As I say, you'd be well advised to do this. I'm different. I grew up in Virginia and have lived in Seattle and Budapest, but Lehi is my home now. My wife Jeanette and I live here with our 8 children (not a typo), two cats, and umpteen chickens. I garden, I fish, and I sing opera, and get paid for it (it's not as impressive as it sounds). And I believe that no matter how black things get, if you have enough friends, you're going to be fine.