My name is Paul J. Byron Sr, President of South County Mortgage Corporation. I have been in the mortgage industry for over 20 years at this point. Over that period I have seen many changes in the industry some good some bad but I have never seen the industry this difficult. Greedy Wall Street Investors who Developed, Bought & Sold mortgage programs like 1% Option ARMs as you surely have heard of have put this industry in a state of peril that is likely to go on for years. Never in my 20 years in the business have I ever seen it so hard for a consumer to get a mortgage loan. Now more than ever you need the professional services of South County Mortgage.