With any author and book, it can be a bit of a chicken and egg game between the author’s background and why the book is written the way it is.  Is the author uniquely qualified to write the book, or is the book the way it is because of the author’s unique background?   The Secret Power Within Your Mortgage is a new kind of book on mortgages, and four aspects of the author’s background are particularly relevant to the book, and to his qualifications to write the book:

1) Mortgage & Mortgage Securities Expertise

Daniel R. Amerman is a Chartered Financial Analyst with BSBA and MBA degrees in Finance from the University of Missouri.  He was a financial analyst, then investment banker, and then institutional financial consultant.  In those capacities, he has spent almost the last 25 years assisting financial institutions and property owners with structuring and analyzing many billions of dollars of mortgage finance and other structured finance transactions.

2) Established Mortgage Author

Mr. Amerman has written three books on mortgage finance, including two published by major publishers – each dedicated to taking the complex and making it simple and accessible.  “COLLATERALIZED MORTGAGE OBLIGATIONS, Unlock The Secrets Of Mortgage Derivatives”, was published by McGraw-Hill in 1995.  Mr. Amerman is also the author of “MORTGAGE SECURITIES:  The High-Yield Alternative To CDs, The Low-Risk Alternative To Stocks”, which was published by Probus Publishing (now a McGraw-Hill subsidiary) in 1993.  Advertised by the publisher as a professional "bestseller" for four quarters, an Asian edition was sold as well.

3) Highly Experienced In How Mortgages Perform With Inflation

Working at a boutique investment bank and wholesale mortgage bank (UMIC Inc., long ago merged out of existence) that specialized in restructuring savings institutions during the 1980s, Mr. Amerman spent five years immersed in learning every detail of how many tens of thousands of low interest rate mortgages performed in inflationary times.  He was vice president responsible for CMO and mortgage-securitized bond originations, as well as related new product development, and the use of mortgages in hedging strategies.

4) Years Of Studying The Boomer’s Upcoming Retirement

Mr. Amerman has also devoted years to researching the fundamental economic and financial factors involved in paying for the retirement promises made to the Baby Boom generation, and the stresses that attempting to meet those promises will place on the financial system and investment markets in the near future.  He has integrated that study into the body of work that is The Great Retirement Experiment website, book, and free pamphlets.  More information is available at The-Great-Retirement-Experiment.com

(The Secret Power Within Your Mortgage was originally intended to be the fourth book in the series, but was moved forward to the second book, in order to meet strong reader demands for immediate, practical solutions.  It stands alone, addresses a somewhat unique and different subject matter, and can be read without reading any of the other books or pamphlets.)

Mixing It Together

So, if you take the combination of a credentialed author working hard on understanding some major upcoming stresses to the financial system, add in reader demands for new solutions, have him spend the early years of his career working with the aftermath of how numerous homeowners financially thrived in the last major period of inflation, mix in previous financial book writing experience that focused on making the complex into the understandable, finish with the insights gained in almost 25 years of working in related areas with a client base of sophisticated financial institutions – then stir well – you have the recipe for a different kind of mortgage book, The Secret Power Within Your Mortgage.

Contact Information

To contact Mr. Amerman, send an e-mail to the address listed below  If the graphic below does not display, it is the word mail, followed by the number 3, followed by the usual connector, followed by morgagesecretpower, followed by a dot and com.

This website contains the ideas and opinions of the author.  It is a conceptual exploration of mortgage finance and general economic principles.  As with any financial discussion of the future, there cannot be any absolute certainty.  What this website does not contain is specific investment, legal, tax or any other form of professional advice.  If specific advice is needed, it should be sought from an appropriate professional.  Any liability, responsibility or warranty for the results of the application of principles contained in the website, sample chapter and book, either directly or indirectly, are expressly disclaimed by the author.

Copyright 2007-2008 by Daniel R. Amerman.