After more than a decade in the mortgage business, I got sick and tired of seeing borrowers get ripped-off, over-charged, and taken advantage of. I wrote Mortgage Rip-Offs and Money Savers (Wiley) which became a bestseller. Two years later, I wrote Homebuyers Beware. I blog at www.askcarolynwarren.com and run www.mortgage-helper.com.

I have worked in both wholesale and retail lending for some of the nation's largest lenders. This means I've been behind closed doors in underwriting, the rate lock dept., sales, and all the rest. I think Americans have the right to know what's going on and how to get the best financing possible.