This was an interview originally recorded on The Jon Sanchez Show - May 22, 2018 

Jon Sanchez:  All right. Let me tell you what we have lined up tonight. Got a great show lined up. We're, we're fascinated about having this guest on. His name is Joe Melendez. He's the CEO of a company called ValueInsured. If you want to look up more information before he joins us after the first break, ValueInsured.com. Now what his organization does is somewhat revolutionary. I am not aware of anybody else that does this. Maybe there's some other competitors out there, but as you will learn among many other things, but the primary reason we're having him on is, his company ValueInsured will insure your down payment.  Now, let me repeat that. His company will insure your down payment, so we all know of course, after the financial crisis, right? People said I had to short sell my house or foreclose on my house, got foreclosed on, etc. Cory, correct me if I'm wrong, as a real estate broker, you probably didn't get too many people saying "geez, you know, my house was worth X at the peak and I had a short sale" or you know lost it and it's then worth Y. They're saying, "hey, you know what? It's that down payment that I put into that house that's gone." That seems to be the part of it that hurts people the most from a psychological standpoint. 

Cory Edge:  Well I think so. And if you remember back to those days, that was one of those quirks, there were zero down loans. There were loans that not only were the zero down but you got money at closing. Yes. So nobody had skin in the game and so they felt that hurt a little bit but not enough. So now they're back to the down payment. Exactly. which is a perfect. And you know, we have a million questions for how you insure people's down payments. Yes. But if it works and if it's a good system, it makes sense because that is the pain that people feel. That's right because that's real money that they used.