With the news and print media constantly telling us and consumers that the housing market is terrible, is there really light at the end of the tunnel?  Some signs point to yes I think, others to no.  So, what does that mean for us?  Well, for me personally, that means that every person I speak to must be treated like a friend.  Because if I can't help them, maybe I can help someone that they know.  And while this is how our relationships with prospective clients should always be, it's not always the case.  I know that when I get busy, sometimes people that I can't help get a turndown and thanks for calling.  Whereas now I have the time to do things the right way and spend some time counseling them on things that they need to do so that I can help them in the future.  It doesn't always work out, but it's good to try and help those that really need it.  And that is at least a start to fixing this mess that we are in.  Helping people see that there is help and hope if they are in trouble with their mortgage.

     People who can are still going to buy homes,  People are still going to relocate for jobs, family reasons and just because they want to.  That won't change.  It may slow down from time to time, but it won't change.  So, basically what I'm trying to say is this.  Purchases and refinances slow over the winter and holiday months.  But I noticed that the number of people calling who were in trouble doubled!  So for me, the light at the end of the tunnel is spending more time than I normally would trying to help people who are at risk of losing their home.  Because I think that everything else will take care of itself.  We all know that this market moves in cycles.  Let's just hope that this cycle is starting to head back up!  And while we have the time, do a little more to help someone that you otherwise might just turndown.