Wow! I got a frantic call from one of my buyers at 8:45 AM on Easter Saturday (April 11th). "Bridget, I hate to bother you on a Saturday but I need a new pre-qual letter today.  We had the water turned on (in the bank-owned home) and the pipes burst through the walls!  I am not buying that money pit, but I still need to move in to a home in the area by May 1st.  We are making an offer today on another home."

I was at the beach (down de ocean, hon) with my family.  I grabbed my lap top, called his realtor for the particulars and proceeded to write a new prequal.  I had it sent to both agents in about an hour (darn hotel connections).  I got a call from the seller's agent asking..."Do you think it is pushing it for a May 1st closing date."  "Yes", I said, "but I work with some fantastic folks who will help me to do every thing in our power to get it done on time."  Needless to say, the contract was accepted, we got the ratified contract on Tuesday. (There was a contingent offer with a 24 hour kick out).

We had a clear to close LAST Thursday, docs out to the title company on Wednesday afternoon (2 days ahead of closing) and we settle at 10 AM on Friday morning.  I was able to lock the conventional loan at 4.875, with no points with a credit to the buyer for both the appraisal and the credit report.

I am so happy to have the partners that I do that help to make me look good.  The only way it worked out this way is that the lender, Aegis Title Group, Eastern appraisals, both realtors and the buyers and sellers all cooperated with me to make it happen. I LOVE it when a plan comes together!

This is a crazy lending environment with banks being overwhelmed by both purchase and refinanance business.  Make sure you have a loan officer who knows where to go and who to work with to get you to the table on time, and at a better rate and cheaper fees than originally quoted!

I LOVE MY JOB!