His father is a mortgage consultant with the Skyscraper Mortgage Company in New York.

Some mortgage consultants, processors and executives of mortgage companies have been involved in predatory lending.

Two years ago, applying for a part-time job as a mortgage consultant, he told the interviewer that his child came first.

"It used to be like Mayberry," said Neil Bader, a Manhattan-based mortgage consultant.

As a 30-year-old black woman with no children, Terra Lambright, a mortgage consultant, is unusual here.

Gilkes joined the firm back in November 2008 and is now a fully qualified mortgage consultant working out of the Reading branch.

Mr. Havermann, the mortgage consultant, said there is no real economic justification for much higher rates.

Miss Mayer, 27, is a mortgage consultant for the Mortgage Group in Albany.

He was fifty-four years old at the time of the 1988 election, and worked as a mortgage consultant.

Lawyers and mortgage consultants advise extreme caution.