The mortgage lending crisis is analyzed from how and why it started, pending congressional legislation, and possible solutions to the lending crisis. The magnitude of write-offs by Financial Institutions has rattled the Financial Markets; Tracy will give her opinion on the impact to the economy and advice to the mortgage consumer on the fundamentals of lending. Tracy will explain what a credit score is, the fundamentals of lending, and what to do if you have a risky mortgage. Learn about Mortgage Lending, and Mortgage Planning from Tracy Cavanaugh. Tracy Cavanaugh is a Certified Mortgage Planning Specialist.