Stanley Kazwell, Jr. had a problem.  Over the years he talked to thousands of people about homeownership, financing, money, politics, and life.  These interactions left him disturbed.  “Too many folks base their life and approach to it on bumper sticker and sound bite logic.  If it appears to be correct, they go with it.  Then they fight like hell to defend it.”  According to Kazwell, this type of thinking leads people to act in their own self-disinterest.  “Most people do what they do because it feels good, not because it is good for them.”
As a mortgage professional, Kazwell became especially disturbed.  He found that many people want the American dream of homeownership without understanding the true benefits and responsibilities involved.  “They treated it the same as purchasing an IPod, just another fun possession to own.”  As their home values increased, people refinanced to fuel their credit driven lifestyle.  Kazwell sensed doom for many, his solution was to write a book called The Mortgage Owner’s Manual.    Alas, a not-so-funny thing happened on the way to publication, the financial Armageddon Kazwell feared, had begun.  
If you want to understand how we got into our current financial problems and what to do about it, The Mortgage Meltdown: The Mindsets That Got Us Here and What You Can Do about It, is written for you.  It is your opportunity to understand the truth behind the headlines.  It is an opportunity to recognize how we are manipulated by the agenda of others and how we can take control of our personal lives.    
The Mortgage Meltdown offers a different perspective than most are use to hearing.  In the midst of tremendous challenges, tremendous opportunities await those who have or gain the understanding and willingness to act. 
This book is for borrowers who find themselves upside down, dealing with foreclosure, or financially challenged.  It is for those who want a perspective on how to deal with the chaos engulfing our lives.  Additionally, and maybe more importantly, it is written for those who want something other than the conventional wisdoms driving the masses.  It is about taking control of our personal lives.