A Book by Eddy Perez · Wiley
The American Gift
How the mortgage industry's Old Guard screwed America — and why true brokers are taking it back.
How the mortgage industry's Old Guard screwed America — and why true brokers are taking it back.
The gap between how the mortgage industry should work — and how it actually works.
A family walks into a bank because they trust the name. They assume the institution will give them the best option.
But what if the best option was never shown to them?
What if the loan they received was not the best loan for their life — but the easiest loan for the institution's system, margins, and internal incentives?
That is the gap The American Gift was written to close.
The Old Guard does not keep control with one tactic. It survives through a system: unnecessary cost, limited voice, and hidden information.
More layers. More departments. More people touching the same file. Complexity gets sold as safety — but often becomes cost extraction.
Originators generate the revenue, carry the pressure, and own the client trust — while layers above them take their piece without giving real control.
The Old Guard survives on information asymmetry. Margins, pricing, fees, and real costs stay hidden so consumers and originators cannot challenge the system.
The future of mortgage belongs to operators who build around transparency, choice, speed, and advocacy. This is the blueprint.
Eduardo G. Perez, Jr. is the Founder and CEO of EPM, a Top 50 mortgage company and one of the fastest-growing firms in the nation. He serves as Chairman of MORPAC, the political action committee for the Mortgage Bankers Association, and sits on the MBA Board of Directors. A Cuban-American entrepreneur known across the industry as "The Perfect Storm," Eddy leads with honor, duty, discipline, and gratitude — values that define his mission to build a better tomorrow for families, communities, and the mortgage profession.
"To my father, who traded his homeland for my American Gift."
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