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JUST HOW MUCH BULL DO PEOPLE WANT TO DEAL WITH!!! There have been a lot of posts lately about scams in the Real Estate and Financing sides of the business. I think that the majority of people here in AR are very concerned about cleaning things up - the only way we can do that is by exposing as much of the BS as possible. GET READY - HERE COMES ANOTHER STINKING PILE! I've already posted and commented on several, but something new came up yesterday that made me sick! I was talking to a neighbor yesterday and he asked me what I did for (8 comments)
More on the .Com 'Lenders' - 10/15/06 08:07 AM
I just finished reading George Souto's post about the .Com guys and all of the confusion that can result. I got a knot in my stomach! Not from the article - it was very good - but from some bad memories. In the past I had worked for a company that spent a TON on buying leads from several of the big lead advertisers - I'm sure you know who I mean. We'd get the 'new' leads every morning and then it was hours of blowing up the phones trying to get through to the possible new Customers. Yes, loans did come out of this, (3 comments)
Continuing the 'Finance Reality' trend - More on Good Faith Estimates. - 10/12/06 06:49 PM
Hello Everyone- I've been on ActiveRain for about week now and one of the things I'm very happy about is the number of Mortgage Brokers that seem sincerely driven to educate and help Customers. Believe me - this isn't an ethics lecture! It is just Good Business! You can't talk about being above reproach - unless you are. I started this Morgage Brokerage Business with a friend of mine for several reasons. One of which was that we both were completely sick-and-tired of working for people who wouldn't think twice about lying to a Customer - I just won't do it. It's not (6 comments)
Pre-Qualification vs Pre-Approval - 10/11/06 03:26 PM
A Customer contacted me the other day and she was a bit annoyed that her Realtor wanted to see proof that she had, or could get, the money necessary for a purchase - THE NERVE! Customer Reality Check: Quite a bit of effort goes into getting the property that you really want - No one wants to do all that work only to find out that the transaction can't possibly happen! It's a complete waste of time and money. Basically the Realtor just worked for free - do you work for free? Is there a difference between Pre-Quals and Pre-Approvals? Some people say no, but, (4 comments)
Dear Realtors - what do you think of this? - 10/11/06 01:58 PM
I'd been asking questions to local Realtors - face-to-face and on line - about what they want from the Financing side of the Real Estate world. I have gotten a lot of responses - good and bad! So that you all know, this is how I like to operate: I am NOT: The doughnut delivery guyThe cookie delivery guy The lunch guy ORThe newbie delivering BS rate sheets!Nor do I rattle around RE offices annoying you with "What've ya got!"However, I AM Blunt, to the pointHonestThe guy that gives out REAL Pre-ApprovalsAND I get the loan closed on time!Sure, that's a bit of a plug for me! But (6 comments)
Real Estate and Financing working together?!?! - 10/10/06 04:38 PM
Can't we all just get along, sob,sob? Sorry, I couldn't resist! Seriously though, I just read a post by Amy Grashel that talked about some issues she had in the past with Mortgage Brokers gumming up the process and, unfortunately, I have to say that I agree with her observations. I've been a Broker for several years now and the #1 complaint I hear is that someone was not 'kept in-the-loop' in a previous transaction. I have Customers and Realtors (if they've never worked with me before!) ask to be kept up-to-date on the financing process as it progresses. They never have to repeat (6 comments)
Newbies: Welcome to the 24/7 job! - 10/09/06 02:12 PM
I read a post by Scott Daniels earlier today - and I have to say he is spot-on with his comments about "newbies" in this business. Now, I'm not a Real Estate Agent (yet!), but in my years as a Mortgage Broker, I've seen the same annoying things on my side of the business. The great majority of new people come in thinking that they will not only be rich inside of a year, but that they just took on a 40 hr / week job. That, combined with a lack of desire to NETWORK and GET OUT OF THE OFFICE cause a lot of poor (4 comments)
What Pre-Pay Penalty?!? - 10/07/06 06:13 PM
Hello! Some things never cease to amaze me - One of the worst is when I am refinancing someone's property and I have to break the bad news to them that they DO, in fact, have to pay a Pre-Pay Penalty on the loan that they are paying off. I've seen people get annoyed, sad, confused - you name it! You are making what could be the biggest investment in you and your family's lives. You need to know EVERYTHING about the loan you are signing for. Don't take anything for granted. All Mortgage Brokers should be making sure you understand everything (2 comments)
GFE's that 'stretch' the truth. - 10/07/06 05:31 PM
Hello- I'm wondering if anyone else has come across this problem AND what you did or would do. A potential Customer showed a competitor's GFE to me - they wanted to know why their fees were lower than mine. Reasonable question - I commented on the fact that the total closing costs were quite close, even though the Brokers fees were lower than mine. Why? The other Broker had added his/her fees to the taxes!! Now, we all know this is BS and I was able to explain what was going on. Needless to say the Customer was PO'd. Things like this (2 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.