I am the second of six kids, raised in a two bedroom apartment in Los Angeles.  I was 12 when my parents got our new home.  I'll never forget what that home meant to all of us. One of my favorite all time memories was holding the flashlight for my father as he finished the garage like upstairs. He couldn't quit smiling.   As a  teacher in St. George, I learned to never give up on anyone. With interest rates, and zero down programs, home ownership... Show more