Carolyn Warren is the author of MORTGAGE RIP-OFFS AND MONEY SAVERS (Wiley & Sons, Inc.) Her book has been featured in Business Week magazine and was chosen by The Washington Post's "Color of Money" book club as the pick-of-the-month for August 08. Carolyn Warren has been called "The Home Buyer's Advocate." Carolyn has over 12 years' experience in both retail and wholesale lending, having worked for some of the largest national lenders. Currently, she works for Shelter Mortgage, a division of Guaranty Bank (est. 1923), and lends in 47 states. Her websites are mortgage-helper.com and AskCarolynWarren.com.