Mark Kovach is a retired loan officer, and the foremost leading authority in the United States and beyond on the negative adjustable home loan. His current mission is to help the American people regain their financial footing based on the insights that he and his wife gained in order to retire for the rest of their lives. The author has a master's degree in business administration with a major in business finance. Today, he and his wife enjoy a carefree lifestyle in Texas, where they do anything they want to do whenever they want to do it.