My name is Shawn Ybarra, and I have resided in the Phoenix area since 1999, which from what I'm told makes me almost a native. I was raised in Texas and attended Texas Tech University. Since 1999, I have seen the valley grow in regards to both Real Estate and Mortgages. I have been on both sides of the investor cycle as a buyer and seller. For 5 years I was investing in Single Family Homes prior to writing mortgages. With my management back ground I was able to oversee multiple offices (in NV, WA, NM and AZ) and see hundreds of loan situations. Our firm was in the top 5 FHA loan producers in the following states - AZ, CO, WA, NV, OR, and NM. As the market started to turn for the worst, more and more people needed help in becoming educated on how to get qualified via FHA. I set out to fill a void for the modern day family. It seems that as a society we are missing the fundamental principles of budgeting, debt management and the importance of our credit reports. Hence, Praxis Credit Consulting was created and this gave an opportunity for "Giving People Second Chances!"