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My Commencement Speech to the Class of 2014 - 2017
My Commencement Speech to the Class of 2014 - 2017
 
Good morning students, family, friends and faculty,   It is my honor to be here on this fine day, to see you off on your adventure into the mortgage future.  When you arrived at the Institution of Home Ownership in 2004 through 2007, recall how you marveled at the expanse of loan programs before you, and the ends you would achieve through them.     I remember vividly how at first you shuddered under the sheer volume of terminology and options --- interest-only, Alt-A, LIBOR, hybrid ARM, index, margin and caps.  But oh, how quickly you became facile, nay, confidently assertive, in your wielding of home loan leverage.  It was an unprecedented time.     As is common, your freshman euphoria gave way to some very difficult years indeed, did it not?  A pensive time in which you were washed asunder, unable to regain the surface of the vast sea into which you'd willingly immersed yourself.  Now, with the waters parting again, I hope to share a bit of wisdom at this critical time in your life.  Students, home owners, mortgagors, go forth knowing this when you leave these hallowed halls today:   We are on the ... more

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