I realize this week everyone is busy preparing to visit family, cook a turkey and enjoy football. Of course, that is all followed by Black Friday shopping sprees! I wanted to just take a moment before we all completely focus on the holiday to wish you a safe and joyous Thanksgiving. Each of us may chose to reflect for what we give thanks to this holiday, and certainly I am no different. Of course, in a business post like this, it is easy for me to give thanks to low interest rates and what appears now to be stable home prices, but really, there is much more than that to give thanks to this year, as well as every year. For over 25 years I have been in mortgage lending. Over those years I have helped families achieve the American dream. I have even helped the children of my original customers finance their homes. Many of my customers over the years have remained loyal to me, trusted me with their mortgage lending needs and for that I am most grateful. There is no bigger compliment than a returning customer or one who refers me a friend or loved one. This Thanksgiving, besides appreciating my family and friends, I want to thank those who have trusted me over the years with their financing needs. I look forward to those relationships continuing and growing stronger in the years to come. Happy Thanksgiving....