Expert Opinion

Liz Freeman
Liz Freeman has more than a decade of mortgage lending experience. In addition to this, she has worked as a tax accountant for Deloitte and a systems consultant for Experian. Liz earned her BS in Financial Management from the University of Nevada. She writes about mortgage and finance issues and is a regular contributor to Mortgage News Daily and other publications.

Joe Taylor
Author Joe Taylor Jr. researched America's biggest mortgage lenders hands-on, by taking a job inside the home loan industry. As a corporate trainer, Joe developed front line service strategies for some of the country's most prominent banks. He taught lending consultants how to explain the complex home loan process, while learning the secrets of finding the best refinancing deals from experienced underwriters. Today, Joe puts the current mortgage market into context by separating facts from hype in his columns and feature articles on ShopRate.com.