Cindi Conley is a freelance personal finance writer specializing in mortgage and real estate. Writing as a “voice of experience” in mortgages and real estate after a 30+ year career in both industries. She creates web content and ghostwrites for mortgage blogs, financial service businesses, and real estate agents. She's appeared on SmartMoneyMamas.com, but the bulk of her writing is 'secret' as a ghostwriter. She holds a BA from UCLA as well as a CMP while still a practicing Mortgage Loan Officer. You can find her at www.cindiconleywriter.com.