Our Minnesota company was formed in 2007 as Veni-vidi-vici LLC.  Our goal is to develop products and services to create value and improve life.  Our credo:  Simplify, Save, Spend, Give, Live, Laugh, Love.

My background:  BA in Economics and Finance.  15+ years at a major national bank funding 1.5 Billion+ in mortgages.  Avid Triathlete, outdoorsman, musician, and volunteer at non-profits.
My 1st real job was at age 9 delivering newspapers.  At age 10, I started to freelance and started a lawn mowing business.  At age 16, I wanted to work for “Corporate America” and worked for Yum brands.  Off to college and the debt started (I got burned when my saved tuition evaporated on the Black Monday back in 1987).  I wanted to be a teacher to be around people with youthful exuberance and have summers off, but teachers aren’t paid in this society well, so I went into the business department.  My microeconomics professor made every analogy about "pizza and beer", so of course I absorbed the concepts.   I moved to Minneapolis and started working at a great bank and after several mergers I was working for the 4th largest commercial bank in the US.

Throughout my journey, I've seen thousands of income, asset, and credit profiles for consumers just like you.  My hope is to entertain and possibly give you a different perspective to help you on your journey.

With the demise of the banking industry in 2008 it became clear that this didn’t happen overnight.  When I started in the mortgage industry we limited total debt to 36% of gross income.  By 2007 with computer underwriting, I often saw approvals at over 50% and sometimes into the mid 60%.  No these weren't subprime customers.  In fact they were corporate transferees who should have great career with name brand employers who were paid very well.  The amazing thing to me was that people were willing to get themselves into that much debt and that the lenders thought it was a good idea.  We know better now.

In 2009, lenders change guidelines weekly which makes lending like walking through a maze.  Customers who in the past were lent money with no questions asked are now going through rigorous processes to qualify.  Also there has been a large contraction by 2nd mortgage lenders across the industry.