This may be a first for us.  We are printing a response we received to an article we wrote on our blog.  Not to mention, we hardly ever print articles written by other people.  But this one is different.  This response was emailed to me from a very valued relationship we have in the lending community.  Kathleen Kramer, of RPM Mortgage, has been a trusted confidant for the past two years and has assisted with private money programs for our company. Kathleen also has reviewed and advised us on our procedures and processes and visited our offices here in Memphis.  We have tremendous confidence in her knowledge of the lending industry, so when she sends us an email response to our recent blog article...well, we listen!