Tem Barrett, Senior Mortgage Specialist and President of Barrett Mortgage, Inc., located in Ardmore, Oklahoma has 35 years experience in lending and has closed over 75 million dollars in mortgage loans in Colorado, Oklahoma, and Texas since opening his mortgage brokerage firm 10 years ago.  Tem is a recognized leader in the mortgage industry.  Much of his business comes from repeat borrowers.  His depth of experience has enabled him to work well with a diverse range of buyers purchasing high dollar homes - both for their primary residences' and for vacation homes in resort locations - to first-time homebuyers, to buyers who have less than perfect credit and have filed bankruptcy.  His borrowers come back again and again because they have experienced Tem's "hands on" approach while helping them through the loan process.  "I treat every buyer as I expect to be treated when making a purchase as significant as a home, by making sure that their experiences is as satisfying and stress free as it can be."  Tem's 35 years of experience as a bank executive, lender, and regulator is unique in the mortgage industry and has taught him that honesty and integrity are essential in providing each and every customer with a satisfying experience.  His special ability to communicate with all parties involved, including realtors and builders and his knowledge of financial leverage and wealth building is what has led to his sustained success over the past 10 years.  Tem is a member of the National and Oklahoma Mortgage Brokers and has served on the Board of Directors of the OAMB and PResident of the Oklahoma City OAMB chapter.  He is also a longtime associate member of the Southern Oklahoma Board of Realtors.  While Tem's primary residence is in Ardmore, Oklahoma, he and his wife Cindi have owned property in Summit County, Colorado since 1977 and spend about 3 months a year at their home in Breckenridge.  There is a saying the locals have, "They came for the skiing, but stayed for the summer."