So you’ve read that rates are at historic lows.  You have paid your loan on time for many years straight, proving that you can afford to keep your home.  However, when you speak to a professional, they ask you

Today’s guest contributor is professional writer, blogger and digital entrepreneur, Men With Pens‘ James Chartrand. The following article was originally published on

I can remember receiving my first hand-written thank you note from our U.S. president of Exit Realty, Tami Bonnell, back in 2005 after opening our second office. I was shocked that an executive with the company I had been