I have lived in Utah all my life and love it here.  I have a wife and 4 children.  We love the warmth in the summer and the snow in the winter.  I started telemarketing at a mortgage company when I was 16 years old.  I obtained my mortgage license in 2001 and started Trillion Mortgage in 2006.  So, I have been in the mortgage industry for over 16 years.  I pride myself in getting the client the best deal possible.  I have been able to beat the competition by at least a quarter of one percent in interest rate and have always had the lowest fees.