The mortgage business was still doing well but it had gotten crazy. From 2003 when I left Crescent Mortgage to 2007 I was bought or forced to change companies three more times. I ended up owning a net branch through Meridias Capital who funded most of their loans through Countrywide Home Loans. Unbeknownst to me in 2007 the financial crisis was already starting to happen and one of the first casualties was Countrywide Home Loans. They were faltering by the summer of 2007 but were propped back up by the Fed’s only to continue a downward slide and ultimately were sold for pennies on the dollar to Bank of America. Late in 2007 when this was going down Meridias Capital lost all its lines of credit overnight. Literally one day we could fund loans with our lines the next we had none. I didn’t understand what I do now but I knew this wasn’t a good sign. I still had seven years on a lease and expensive overhead. I was once again reduced to being a broker shop with no corporate support. One right move I made was deciding to shut down the office and hang my license with another broker shop in town.