This is the book I'm not supposed to write. The one that's gonna make a whole lot of people in my industry real uncomfortable. The kind of uncomfortable where they avoid eye contact at conferences and suddenly remember they have important phone calls to make when I walk into the room.

And honestly? Good. I'm glad.

Because somebody needs to tell you the truth about what's really happening in the mortgage industry. And since I've got twelve kids to feed and a mortgage of my own, I figure I might as well be the one to do it before somebody else beats me to it.

Here's the reality: The managers in the mortgage industry have been keeping loan officers in the dark for a long time, and most loan officers don't even know they're being robbed.