This looks fantastic. Dramatic, unexpected turn arounds are casey crawfords thing. He wasnt drafted out of college, but managed t spend two years as a tight end with the carolina panthers. Then he got cut. But he wound up signing with the Tampa Bay Buccaneers in 2002, a season that ended with a super bowl victory. I need to set up a call with the head of sales. Crawford began to flip homes. It was the early 2000s and real estate was blowi up. Donald trump said the only way to be wrong in real estate at that time was to not buy something. Crawford was doing so well, he quit football after the super bowl. It worked out fine until 2007 and 2008 when bad loans began to kill off giant lenders like countrywide, American Home and wachovia. Evil. They have been defined by greed, lack of integrity. Crawford sensed an opening. He wanted to build a Mortgage Business that would help keep people within their means. Think about it like warren buffett. The time to get in the market is always in the midst of chaos. When blood is running in the street. He didnt know how to start a Mortgage Bank. So he did what anyone would do. He googled it. Jumped right on google, how to start a Mortgage Bank. Crawfords Mortgage Company, about 20 people, opened for business. We had a full 30 days before october of 2008 and the whole financial world total collapses down. I spent 60 days sucking my thumb in a closet, trying to explain to my wife why this was such a good idea. In 2009, they did 180 million worth of loans. Now the company has 2,200 employees and is expected to do more than 7. 5 billion worth of business this year. It was a big game change from scoring touchdowns to getting people into houses. Casey crawford is the ceo and co founder of movement mortgage. Thanks for being here. Glad to be here. Is that really what you did, googled how do i start a Mortgage Company . That is really what i did. You saw a picture of my partner in there. I did have some adult supervision. A lot of people worried youre too young to lend money. I had some experience. Always like to have the coaches in life. But yeah, none of us had started a Mortgage Bank from scratch. I googled how to start a Mortgage Bank. What. Did you learn . What did they tell you to do . A little guy named dave lie hee came walking on the screen and said give me a call. And 50 pounds of paper later and a year, we hadur federal approval to issue mortgages across the country. Whats amazing to me is that you could make it all the way to the nfl. Be at the top of your game. And then turn around and build something, be an entrepreneur and have a whole s second caree you were thinking of for that time. How did you get to the point where you thought really want to be doing this . Yeah. I want to be an entrepreneur. I think the entrepreneurial bug bit me real early in life. I was selling fans to my next door neighbors, 25cent fans. Ive been in sales for a long time. Inthink really the nfl and football in general really prepares you for the marketplace and for business. And all the way through the nfl, i really took those off seasons and that experience of being on an nfl team to build lots of relationships around the cities i was a part of, charlotte and tampa bay. And really picked business guy brains. Jerry richardson was the own of the panthers. Fabulous entrepreneur. I said please, give me advice. Youre a tight end, im a tight end. Tell me a good piece of advice. He said always take care of your bankers and told me a great story about how he and mccaul, their careers paralleled one another, and he bought his lifetime relationship banker with him to that meeting and thats what helped him get the carolina panthers. Those are the doors you could open and the relationships you could build and the lessons you could learn. You must have had a few stumbles along the way. For sure. My Second Season in the nfl, we set the nfl record for most consecutive losses. So i got to experience that. And then they mention getting cut, which is nfl for fired. So my mom got to see me get fired across the screen, espn, have to go home and tell your wife that. And then i was fortunate enough to get signed by the Tampa Bay Buccaneers the next day and experience a super bowl with them. So kind of got to see the lows and the highs. And i think that sense of resiliency and that commitment to pressing forward, man, you need that in business. And we certainly experienced that and kind of benefited from some of those lessons with movement mortgages. Lets talk about movement mortgage. You had tough talk for people you thought were doing irresponsible lending. What do you do differently . Clearly the time in 20072008, the mortgage industry was broken. The whole Financial Services instry was broken. And we looked at that as a real opportunity to bring a solution to the marketplace. Fundamentally, the United States is going to continue to support the value of homeownership. People are going to continue to want to buy homes, but it doesnt seem like anyone in the marketplace, any of the big banks are thinking about those consumers. And when you think about how to make it an enjoyable experience and get into loans that help them stay in homes and have the home be an Social Security asset to the family, not a burden. Ive picked up some mortgages myself. We had this crazy idea you should get qualified for your mortgage before you start shopping for a house. The last thing we want to see is a mortgage become a debt burden. We actuallyualify you up, get your paperwork, get that done before you ever start shopping. Know what your limits are. Yeah, you know what to shop for. Everyone else was underwriting at the very end. Thats why we heard about the lastminute conditions and problems before closing. We pushed that underwriting up to the front of the process and our goal was to have your loan ready to close on the eighth business day. You came in at an incredible time in terms of what was happenening to the housing mark, things collapsing. Where would you say we stand right now . Obviously, all of this is local, but if you had to look at the broad view, where do we stand . Yeah. Its been kind of nice gold locks market, not too hot, not too cold. We see probably the most underserved segment in the marketplace now being the millennial first time home buyer. The average price is 288,000. Historically, were looking at an average price about 150,000, kind of adjusted for dollars. Thats big if youre trying to put down 20 . It really is. Most millennials dont know they dont need to put down 20 . Thats one of the biggest misconptions. Fannie, freddie less than 4 down youre more of a renter than an owner. How do you make sure people have skin in the game. Where we got in trouble last time we didnt document income and qualified people for too much house. It wasnt necessarily how much down payment they had. It was their ability to pay to make those mortgage payments. And we did those flier loans, stated income loans. Those arent in the Market Police today. You have to document all of your income and assets. Today if we get qualified up front, you know before you owe, you know how much home you can afford before you get shopping. Casey, thank you so much. Its a pleasure having you in here and i love seeing what youve built. Thank you. Were thrilled to serve the American Public in this way. Casey crawford. Up next, its the one number you need to know and were not talking about phones. How to find it, improve it, and what it can door you. And later, cool ideas. The new health trend thats a hot business. And as we head to a break, take a look at how the stock market ended the week. Heres a look at whats making news as we head into a new week on the money. The last big number the Federal Reserve will see before they make the decision about whether or not to raise Interest Rates later this month. And the Unemployment Rate actually fell to 5. 1 for august. That is the lowest level in seven years. Now the economy added 173,000 jobs, and that was a little below expectations but the numbers for the previous months were revised higher. All of that in combination sent stocks down early friday as expectations started to ratchet up that a rate hike is on its way. Of course, this comes after a tumultuous week with more concerns about chinas economy. And stocks closed lower. Auto sales are picking up steam. The annual rate for august sales came in at 17. 8 million, the best level in a decade. Gm fell 0. 7 . Ford was up by 5. 4 . Chrysler was up nearly 2 and toyota down aost 9 . But all those numbers came in better than expected. And if you have a hankering for an egg mcmuffin at 3 00 in the afternoon, guess what . Etty soon youll be in luck. Mcdonalds says it will start serving breakfast all day starting october 6th, a new effort to boost sagging sales and changing American Food tastes. Credit card debt is at the highest level in five years. The average balance nearly 16,000, according to nerd wallet. If youre one of the millions of americans with the monthly card payment, you have come to the right place. Senior personal finance correspondent Sharon Epperson joins us on how to boost your credit score, because its your money, your future. Sharon, we all know we have these credit scores. But if youre not really familiar with it, whats actually a good number and whats a bad number . Just taking a snapshot of your Credit History, and were looking at a range between 300 and 850 for the fico scor t the most popular type of credit score. 350 just for showing up. Yeah. Just for showing up. If you have anything below 550, thats a really pretty bad score and youre probably not going to get a good rate on any type of loan product. If you have 695, thats the average, according to fico right now. And higher score is the highest you want to get above 740, 760. If you are less than perfect, d im sure thatsery few people. But if you are, what should you do to try and improve your credit score rating if you think you could get it higher . The first thing you need to do is get a copy of your Credit Report and see whats in there, see what you owe. And see what errors might be there. And go to annual Credit Report. Com and get a copy from each of the credit bureaus. And thatsor free. They have to give it to you for free. Experi experian, equifax, transunion, they all have credit scores, and you can get a credit score for free from credit karma. Com, and even some Credit Companies now are allowing you to get a free credit score. So discover, american expres barclay. Is there a limit to how many times you can ask, or do you ding your credit score by asking too frequently . When others ask for your Credit History and do a run on your Credit History and get the score, if you get a lot at one period of time, that can be something that can be slightly negative to your report. But thats really not what goes into what makes up your credit score. What makes up your credit score is really your payment history. D what hurts you the most is not paying your bills on time. Or not even having credit. If you dont have Credit Credit cards. Exactly. If you get your score, your report, and find an error, how do you fix it . Im heard nightmare stories. First thing, go online and see whats there. And you can actually onli there tell them you want to dispute something you see on the report. You also want to put something in writing and make sure you have the proper documentation, send it certified mail, make sure you get a response in writing back. It can be a long process but definitely worth correcting anything that may be a mistake. Sharon, thank you so much. Sure. Up next, weren the money. Summer heat got you down . Guess what, there is a new Health Treatment that will cool you off to the tune of minus 200 degrees. Were talking the big business of cryotherapy. And later, how much is it to rent that doggy in the window. When you want to own a dog but theres a hot new health trend that seems to be gaining traction among athletes and celebrities. You pay good money, you get freezing cold for a few minutes. But what is it, and does it work . Te rogers joins us with more. Hi, kate. Hi, becky. Its called cryotherapy and i put it to the test myself. Take a look. Were going to have you fill out the form and then ill have you change in the changing room. Why are people spending up to 100 to freeze in this chamber for up to three minutes . Were here at ckryolife to find out what the hype is about. From . Lebron james to Lindsay Lohan to even professional sports teams, cryo therapy is a hot new treatment, blasting freezing nitro engi nitrogen from head to e. You have to withstand temperatures of minus 200 degrees. Cryotherapy is said to provide everything from muscle relief to skin tightening, even weight loss. The chambers cost upwards of 50,000 each. How are you feeling now . Im really, really cold. Is it as cold as you thought it was . My hands and legs and feet are freezing. Reporter its not just celebrities and athletes embracing cryotherapy. Ceo peter marginn has suffered from back pain for over a decade. Ive donone five treatments, would say. Ive been very happy with theh results. Im playing golf again and sailing and do the things i was told a year ago i couldnt do anymore. Reporter cryotherapy treatments have emerged as big. Usine new york city sees 90 clients per day and has to turn away customers because they cant keep up with demand. Since opening in 2013, their business has quadrupled. The public starts getting more aware of what is going on. It has increased so much nationwide, we get calls internationally from mongolia, from brazil, from portugal. The cry owe life center here. Reporter the treatment has its skeptics. Clearly at this point in time its a fad. And thats okay. I mean, theres a lot ofeople doing this, a lot of people that feel it works well. Theres a lot o of folks making lot of money off of it, they charge, you know, quite a bit. 50 to 100 a treatmentor a threeminute session of getting deep frozen. It may work for certain people. We dont have the science to prove it yet. Reporter whether its a fad or here to stay, kryolife has plans to open up four new locations in the next six months. So cold so like we said, becky, whether its here to stayr not is not quite clear but this Small Business is definitely committed to the process and they think this is here to stay. The guy you interviewed said he had five treatments and is back to playing golf again. I mentioned to you earlier, its a lot of businessmenen tryg this out, aside from the pro athletes and Lindsay Lohans. He was supposed to have a spinal fusion and one friend said try this out. He said it works for him. So there might be a placebo effect. It might have but thats not bad. 100 bucks a shot, thats 500 bucks. You avoid surgery and try that ioticed you had gloves on, and socks o on your feet. The outfit is not quite so fashionable. Its tube socks, clogs and gloves. Definitely a look. You have to leave these on in there and they give these big wool gloves. Your body has this fight or flight reaction. You cant see, its freezing cold and you have to stay. You can stay for as little as a minute and a half or up to three minutes. If you really want out, theyre not going to let you out, youre locked in . Theyll let you outhey say to get the properties of the treatment, stay for at least twoandahalflf minutes. Youre a brave woman. Thank you. Thank you. Up next on the money, a look at the news for the week ahead. And what if youould have a dog without really having adog . Were going to find out how to hire a puppy. For more on our show and our guests, go to our website, otm. Com. Heres the stories that may impact your money this week. Happy labor day. The markets closed monday. On tuesday, the consumer Credit Report for july comes out. On wednesday, apple is expected to make an announcement to unveil its new products, likely a new version of the iphone. Get ready for some football. Thursdayay marks the return of l football, and the 50th super bowl will be played. On friday, the Producer Price index for august comes out. Also on friday, well be getting the first read for Consumer Sentiment for september. The pet industry is a 58 billion business with more than 56 of american households owning a dog. But for dog lovers who may be afraid of commitment or anyone looking to find out if they have what it takes to take care of one of these bifutiful companions there is a way to get your canine fix. David is founder of puppy parties and joins us with some of thinks Furry Friends this morning. Welcome, david. Thank you for being here. Thank you for having us. Thats good. Aww. So you have a very unique idea, which is to come up with the idea of renting a dog for an hour, for a day, just to see how you get along with the puppy and if youre really up to snuff. Absolutely. So this is a trend thats been going on for over 12 years. I started it in the brooklyn area for the simple love that somebody had wanted a pet in their house for their child who was sick. And its taken off for not just kids who are sick to hold on to. People have puppy parties now. And they really check these dogs out. Anchts. A lot of kids in the city cant have dogs in their house. The landlords dont allow them to have pets. Sometimes even the mother or father is allergic to animals. But the kids are dying to have a pet. They just are crazy about having somewhere to have socialization with the animals. So we provide that niche between them having opportunity for an hour and their parents allowing them to have a pet for a short time. Where do these dogs come from . Private breeders are sent in from connecticut, long island, new jersey. They come from different locations. And theyre all certified breeders. Sometimes we take in adoption dogs. People who can no longer have a pet. We home pets. And this is what works out great. And thats why even the new facility thats being started called the pet adoption cafe, where you can sit down, pick your coffee from the menu and pick your pet from the menu and bond with your pet on a sofa. What happens to the dogs when they grow up, when theyre not pickup ease anymore . Of well, were lucky. None of the dogs grow up that dont have homes. We get a home for every single pet that comes in. As a matter of fact, we have more homes waiting than we actually have pets. Youre kidding. Of. So its just a matter of being able to qualify the parents and the people to make sure they can provide loving, lifetime homes for the t animals. What do you charge for lets say an hour wit a puppy . So the standard rate is about 175 in our local area. And it goes up a little bit, depending if youre outside. And we only travel a short distance, because we do have to care about the animals. Their feeding time, their sleeping time, their health. And this is the primary part of taking care of these dogs and providing parties for kids. How many people who are kind of testing it out, seeing if they have what it takes to be a pet owner actually turn around and say okay, i want to keep this dog . Well, everybody always asks, i would love to have this pet, theyre adorable. But the pets are only provided when they qualify to be certified for a lifetime mehome. So no puppies are actually sold at parties. Parties are just for the kids. And, you know what, its not just for kids anymore. We have adult parties. We have bachelor parties. We have hospital parties. And its been around 12 years so i take its a good business. The business has grown exponentially. As a matter of fact, im a little afraid. Most of the time, we dont have enough puppies to help take care and provide parties for people. David, thank you so much for bringing in these adorable puppies today. We love seeing them and love hearing the story. Well come here, baby. This is a great opportunity fofor them and theyre happy toe here. And they love socialization. So thank you for having them on. Thank you. We appreciate it, david. Youre welcome. That is the show for today. Im becky quick. Thank you so much for joining me. Next week, if you want that hot ticket or the latest gadget, meet a man who will wait online for you, for a price. Of course, time is money. Each week, keep it right here. Were on the money. Have a great one, and we will see you next weekend. Good morning, america. Breaking overnight, shark attack. The holiday horror, a kayaker bitten in the waters off malibu. We were out there, fishing, it circled us. He had his foot on the side and just got bit. The victim airlifted to the hospital. How hes doing this morning. Fatal blow. As football season kicks into high gear, a Football Players deadly collision on the field. Just not able to handle it. Never prepared. The vigil overnight as friends, family and teammates try to understand how a game ended his life. And wild holiday weather. Heavy winds and rain battering parts of the southeast. Dangerous lightning filling the sky. This college game was canceled