Starting Sunday afternoon Carolyn, Daniel and I spent 20 hours in class preparing for our Safe Exam. That is a test that our great leaders in Washington have devised for mortgage originators. It sound good and we covered a lot of good material (although it was mostly review for us). There are a lot of people that really need it. Unfortunately there is a giant flaw in the program. The originators that work for the banks (that's the guys with all the lobbying money and clout ) are exempted from the whole thing. So if you want a loan from someone who has not had the training and maybe went to work at a place specifically so he could avoid the testing, call your local bank originator.