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How We Fell Into Equity Line Hell (And The Reckoning Yet to Come) PART 1
The year was 2005 and the owner of my mortgage company strolled into my office with that "LOOK" on his face.
Clearly, I was in trouble.
He was there to scold have a serious talk with me. It seems my sin was doing too many equity lines.
I was asked to allocate more of my time to doing first mortgages. Why? Because an equity line made me (and the company) very little money.
Solemnly, I nodded in agreement and promised to change my ways.
Ignoring everything he had said, I went madly on, writing new equity lines every week. 
During those times, you didn't need to advertise or promote equity lines. Everyone wanted one.
If you didn't attach one when you bought your house, you did within months. If you walked into your bank to make a deposit, you were tackled by some bank employee trying to sell you on the idea. Your stack of mail included at least 2 offers every day suggesting that you "tap" your equity.
Equity lines were the "BOOM" in the booming economy.
What the owner of my company didn't realize was this: those lines paid dividends to me that far exceeded the tiny commissions.
The ROI was simply ... more

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