Real Estate Blog - When Is It Time To Tell A Borrower To Apply With Another Lender?

Home : Blogs : Karen Cooper-Mtg Banker|Broker Ashland|Medford : Your Southern Oregon Housing Resource For Home Loans

When Is It Time To Tell A Borrower To Apply With Another Lender?

I've been in the mortgage/real estate business since 1983, with most of the past 15 years working with repeat and referral clients. Our relationships have a great deal of trust, which I believe to be important - especially in the current real estate/ mortgage environment. But, when is it time to tell a borrower to apply with another lender?

I wandered in to the world of Internet marketing, and realized that this same loyalty and trust bond does not exist, so made the decision to only agree to work with clients I am able to meet with in person when they are not an existing client or a referral from one. I focus on providing quality service over quantity, and am not interested in the "throw it up and see what sticks" business model nor am I interested in "playing the numbers game". I realize there is a certain percentage of fallout in this business, but my percentage has always been very small.

Shopper crossing sign by turtlemom4bacon photo courtesy of flickr.com Last week, I received a referral of a new client. This client has been actively shopping many different sources, from the Internet to their existing lender to other lender types they feel comfortable dealing with in this day when so many banks are performing poorly. We've already spent close to 4 hours on the phone discussing market triggers and sources of information/ data they may watch to satisfy their thirst to find the ultimate interest rate, and I believe we have established the beginning level of trust I feel necessary to decide to work together. So, I take the application over the phone, and these shoppers are convinced the interest rates will improve the following day when they are prepared to make the appointment to bring me the necessary paperwork, review and sign their application package and lock in their interest rate. But, the next day the market performs poorly, and interest rates move up.

The borrowers make their round of phone calls and discover their prediction did not happen. Although they know there is enough benefit to go ahead and proceed with their refinance, that they can meet their objectives to consolidate and cash out while paying less than they do presently, they want to KNOW they are getting the lowest possible rate. They want to be SURE they have timed the market and caught it at its lowest possible point. We've had the conversation about the only way to know for sure what will happen is through hindsight, but they STILL want to KNOW. We've had the conversation that only God knows. If I knew it would be highly unlikely I'd still be a mortgage consultant, as I would very likely be day-trading from various exotic locations around this earth.

In to our story comes the loan officer from a different organization, who quotes the borrowers the rate they want. They DO tell them they cannot lock the rate in until they have a complete package including the appraisal, so I ask the clients "what does this rate quote mean if it cannot be locked?", and we talk about how they will have paid their appraisal and credit report fees to find out what terms they can really get. So after establishing a rapport and comfort level (I think), the clients call the day after they complete their application with me, after they've made their round of calls to learn the interest rates moved upward again, and one of the loan officers tells them they can still get the same rate they quoted the day before, which was lower than every other lender they received a quote from, with the same fees - AFTER all the other lenders opened higher and had multiple mid-day increases!!!!

While I'm in between appointments, on hold while returning messages that came in during my appointment, I shoot an e-mail off to these folks suggesting they go ahead and apply with that loan officer who is quoting them the rate they want. I'll hold on to their information in the event something goes awry with that transaction, and the worst case is they will have lost their credit and appraisal fees paid for that lender's transaction. I cannot afford to invest 4 more hours reiterating the same issues without a committed borrower. The time has come for them to go ahead and find out for themselves, and I can rest easy knowing I've done all I can do.

Do you believe it was time for me to recommend they go ahead and apply with the other lender?

Quality...not quantity!!!!!

See out there!

Karen Cooper - OR/CA Mortgage Consultant - www.Quality4Loans.com

Karen Cooper - OR|CA Mortgage Consultant - www.Quality4Loans.com
Providing high Quality, Professional, Ethical service to Oregon and California home buyers and owners since 1983. Whether you are taking out your first home loan or your fiftieth, for your home, your second home or for investment, put my knowledge and expertise to work for you.

Posted by Karen Cooper-Mtg Banker|Broker Ashland|Medford on 07/24/2009 02:05 PM

Comments (58)

interest rate, referral, home loan, real estate loan, refinance, ashland, medford, rogue valley, southern oregon, karen cooper, wwwquality4loanscom

Post is included in group: True Mortgage Professionals
Post is included in group: Mortgages
Post is included in group: Mortgage Blogs
Post is included in group: Crap
Post is included in group: Almost Anything Goes

58 Comments on When Is It Time To Tell A Borrower To Apply With Another Lender?

JUL

I'm always happy to speak with potential home buyers who find me on the Internet. That's why I'm here.

However, since there are a lot of folks "in the market" today that will never buy a home or at least not now, my job is to identify them and not send them to an agent.

Learn to identify serious buyers quickly and raise your conversion rate.

This is a tough market and lots of folks think they want to buy but don't really want to and rare not going to.

I like Lenn's advice. We have only so many hours in day and I have wasted so many hours with buyers over the years. I have started working smarter .

I always wonder about those that have to have that magic rate - 99.95 % of the time they will never get it and usually will be kicking themselves for not listening to someone like you have described yourself. I think you did a great job.

You make some great points, and well written!!! I'm getting much better at "Identifying"

I agree with Marilyn - great post and very well done! Keep on doing the excellent job you are doing!

Service and knowledge should be the top ways people make decisions about professionals. The "best" rate is the one that is true and that a professional can deliver on. If to a loan officer or realtor those are not important, it is best that we move on.

Part of our job is to educate and that takes time. There are many times when buyers approach me asking for a rebate that they saw another agent online giving to buyers. I tell them to go for it, but if they want service and representation, they're not going to get it. 9 times out of 10, when I tell them to use someone else, they stick around. They must realize I'm serious!

To answer your question....YES, let them go. This happens all the time and people always get what they pay for....and who knows, it sounds to me like this other lender is quoting something they can't deliver. When the market moves, it moves for everyone, not just some lenders. People who shop lenders based SOLELY on price alone never understand that service and reliability is just as important...UNTIL they have a problem. Unfortunately by that time, it's usually too late. Sucks, but it's a part of the biz that we all have to deal with.

The last time this happened to me, the client got to closing and found that he had an origination fee and appraisal review fee, both of which he was told wouldn't be charged. And, of course, he closed because the BORROWER is the one on the hook to perform per the contract, not the lender. Supoosedly they're going to refund him, but who knows.

If i were you, i'd keep your phone line open for that call that will probably be coming about two weeks after their scheduled closing date when they find out their lock busted because they haven't had time to get the 20 new conditions that popped up on their third underwriting approval. But unfortunately it will probably be too late at that point.

I would send them packing too! Quality vs. Quantity is exactly right.

Karen - I'd like to think this is a lesson that I learned a long time ago but if that were true it wouldn't still be happening to me. The one thing that has gotten better is how much more quickly I can identify rate shoppers. I don't have time for rate shoppers because people like that simply don't understand the value of personal service.

In my initial conversations with prospects, I will explain to them how I work and what we can expect from each other. At this point, if they start comparing me to everyone else they've spoken with, I will explain to them that I will always provide the most competitive terms and conditions I can based on the best loan product for their situation.

If they want me to match some other lenders unrealistic quote (before collecting any documentation and taking an app), I do pretty much what you do. I tell them to go get that rate locked in and in writing and if it doesn't work out with that other lender, then please feel free to contact me again if they want.

Sometimes they come back, sometimes they don't. Either way, I have made the decision to utilize my time and energy for serious prospects who do understand the value of personal service and who have made the decision to work with me regardless of what rate I quoted them.

Personally, most people choose to work with me not because of what rate I quoted them (I do everything I can to avoid the whole rate conversation until I have reviewed their documentation) but rather because of the kind of service and programs I can offer them.

As with time, I have learned to ask the right questions to determine if this buyer or seller is fishing the market or ready. Many people have alot of time on their hands, and don't care if they are wasting yours.

Hi Karen, all you can do is your best work, and if they turn you into a commodity on interest rate with no differentiation with service than you have done all you can do. You can't win them all with some of the mindsets out there. BTW I have had good luck with both brick and mortar and Internet lenders and don't bash one group over another.

Karen...

You're getting some great advice in here. There's nothing wrong with firing someone. We've all had to do it. At least I like to think we all have :)

TLW...ROAR!

It makes no sense to me why someone would really nickel and dime like that with a complete stranger, after they've built a rappor with you. There is something that is going to go wrong with that agent, I feel it! I know a consumer wants to get the best rate, but at what cost? How can someone quote lower than what is currently going on? Sounds like they've been on the fence and by continuing to sit there, are going to lose out on both sides.

Karen: The decision to cut a customer/potential customer loose may be the right one to make, but it may not be the easy decision to make. Especially in today's challenging and quickly-changing market, it is hard to not have misgivings about missed opportunities. Add in the apprehensions regarding the health of our real estate market/economy and the fluctuations of future business volume overall and it's easy to see why we decide to not take these drastic steps.

You obviously determined that it was time to sever your relationship with these people. I have found that normally ... when finally pushed to this action ... that doing so was the right thing to do. I believe you know that as well, but as a caring professional wish you had not been placed in that position.

As others have pointed out, many times these people suffer consequences at the closing table for the decisions they made. If and when that happens you can hope that they will learn from it and turn-around and recommend to everyone they know in need of a lender that they call you ... the honest, hard-working, and knowledgeable lender that gave them the facts and answers straight. Maybe a little lemonade out of lemons? We can hope. Best of luck to you!

Very interesting situation.. Lots of great advice already on the board....

This is definitely quantifying your prospects. Some people just shop and shop and shop and don't actually take action. I suspect you are right and at the end of the day they may work with the other lender, but it's not going to be what they expect. I think it's better to not work with them if they can't commit to you.

Shopperes Stoppers - always looking for greener pasture . You went above and beyond and they just didn't trust you. They might surprise and come back around it the other guy doesnt' produce what he promised. Wouldn't be the first or last time that happened.

As we say NEXT......forget about it!

I'm with you there are always a few that want to believe in the impossible. Let them go and learn the hard way.

Karen - as a fellow mortgage broker i have dealt with this type of borrower. As much as i have a duty to excellent service i also have a duty to make wise business decisions. I have a talk something like this (extrememly politley and tactful of course): Look, I understand your desire to ge the best and lowest rate at the best and lowest cost. Most people do! Now that we both agree that this is your main motivation you need to know that rates change daily. Sometimes several times a day. You do not have the resources to shop and make sure the rate being quoted is accurate. Good faith estimates are just that... estimates.

There are so many variables and the fact that it takes at least 2 years for a loan officer to truly understand what they are doing there is no way you can learn all of this in the next 30,60 or 90 days. It all boils down to trust. You will have to let go and allow the loan officer to do their job. If you will trust me I will work my tail off for you. if you do not trust me I cannot do business with you. Please decide who you feel most comfortable with and move on.

Unless I know I have your commitment I will not provide you anymore rate quotes. I have to allocate this precious time to the clients who want me to work for them. They have hired me and I will perform for them.

if they walk then you probably saved yourself a lot of time. If not and they get squirrley remember the "trust" talk. Remember the sales technique: only stick with the winners!

I respect and undrstand their need for the best deal but we also have a business to run.

I would pay money to have a crystal ball on time-wasters. I would cut them loose.

This is a very frustrating situation. It's hard to give people the old heave-ho!

Lenn - I'm learning to really appreciate the leads that come through the Internet. I still want to maintain that personal touch, though. There is nothing like the call from the repeat customer ready to move up.

Gita - That is a talent that comes with experience, sorting through to find the qualified clients.

Jo - I know I've had 20/20 hindsight...and wished I had clearer foresight!

Marilyn - Sure is nice to be able to identify the good prospects. Thank you!

Janice - Thank you for expressing your kind sentiments.

Joe - Service and knowledge, absolutely! In these challenging economic times, I do understand the need people feel to make sure they are getting a fair deal. The folks I'm writing about have difficulty understanding the "fair deal" concept - only the "best deal" whatever that might be to them.

Great comments made here, and wonderful insight being shared! Thank you all!

Donna - I'm with you on the education - one of my most favorite volunteer efforts is teaching HUD approved homebuyer education at the local college. I find it a harder process to unwind a client's previous bad experience, THEN build the trust back up. Lot's of patience goes in to that

John - I'm convinced the other lender has not provided an accurate quote. Rate sheets that day came out .25-.50% higher on the costs than they were the day before, and then increased .50-.75% more throughout the day on this client's loan program. So hard to know someone is going to be taken advantage of, and nothing I can do about it.

David - It's pretty rare I do send someone packing, but these folks aren't hearing what I have to say no matter how I re-phrase it for them. This lesson will have to come through the school of hard-knocks for them.

Donne - I like the occasional shopper - keeps me on my toes. Unrealistic expectations can take time to turn around, though. Since moving from Southern California to Southern Oregon, I don't get as much of the "what's your rate?" anymore, so once in a while it's a pleasant reminder that the market here requires much more personal trust and accountability from the people doing business together.

Maryann - Those "qualifying" questions are important to find out a client's goal and if we can help them with it. Those without a goal in mind aren't buyer's, are they?

Great input - thank you!

Gary - It's so hard for me to watch someone go down that road, because I know it could lead to financial loss, another bad experience fro these borrowers and more distrust for them to overcome if there is a next time. I'm glad you've had good experience with both Internet based and Brick & Mortar. In the Los Angeles area I came from there was a lot more Internet dealings than we have here in Southern Oregon. I deal with a lot of people who won't say a word until they are in front of me. Big "buy local" area here.

Billie (TLW) - Isn't the support here at Active Rain phenomenal? I can fire someone if I have to...I wouldn't do very well on Donald Trump's show, though. I'm not that hardcore anymore. J

Amy - I think you are right, and I never want to see someone lose $500+ no matter what their financial situation is, and if interest rates move upward while they're waiting for their magic number they could "lose" thousands more.

Gene - Thank you for your wonderfully thoughtful and supportive comment!

Roland - Sometimes there's as much great input - if not more! - in the comments then there is in the original post, isn't there?

Thank you all for putting in some great 2 cents!

Christianne - For a while when the real estate market I was in many years back came to a grinding halt overnight, to make a living I went and sold cars. Working with a #1 dealership, this was some of the best sales training I ever had. But, when standing "on point" with the salespersons who had been in the business a long time, I'd listen to them say "they won't buy" or "tire kicker" about this prospective customer before they had even turned their car into the lot, and while I quietly came along and found out the customer's objectives - pointed them in the right direction or sold them a car, even if it didn't happen to be that moment, although it usually was! Used to drive the old-timers nuts. They thought they'd gotten their own back on me when a young gentleman wanted to go out in a Mustang Cobra with me to go for a joy ride, they were convinced. He bought it! What those days taught me was sometimes you just can't tell if they are buyers.

Anna - There have been a couple of times I tried to cut clients loose, and they kept coming back. Whatever happens, happens. Did you say that with a New York accent? :-)

Russ - One of my most favorite songs is "All Things Are Possible". But getting an interest rate that isn't published on the many sources we have? Probably not.

Nevin - You give some great tips. My husband and I were just discussing one of those points over dinner - how in the world does someone expect me to give them 26 years of experience boiled down in to a nutshell? Even if they worked for me, I couldn't train them on all they need in the 3-4 weeks it takes to close their refinance transaction. Isn't the objective to hire the professional with that knowledge and expertise vs. try to acquire all that knowledge for themselves?

Chris - That crystal ball would probably carry a hefty price tag - one many would be willing to pay, don't you think?

Carla - It really was frustrating!

Wonderful comments, everyone!

At least once or twice a year I work with a true "time waster" -- sometimes I see it coming, but most of the time I don't. When it gets to the point of no return, I don't think there is anything wrong with curting them loose.

Kerry - It's deciphering that point of no return that is the key, isn't it?

JUL

Karen,

Even in this market there comes a time when a decision has to be made regarding the customer. Whether it's worth continuing to counsel him or not. You made the right move.

Esko - Thank you for your vote of confidence!

I hear this from many of my lender associates. When I'm working with a buyer who shows signs of rate shopping, I always advise them to ask what the APR is. That quoted rate sounds good until their find out the many fees tacked on put their costs higher than what their first lender would probably have cost them. They don't call them teaser rates for nothing!

Eventually Buyers just have to pull the trigger !!! Some are running in circles in search of the great deal! Meanwhile they've missed out on other opportunities .

You asked: When is it time to tell a borrower to apply with another lender?

Probably when the lenders pre-approval letter the buyer received says: all information subject to change weekly.

Now more than ever we must be diligent in knowing the lenders we are working with are indeed a lender that will get the deal closed. It makes us look bad when deals go south even though we had nothing to do with picking the lender. I have a laundry list of questions I am asking when getting a pre-approval letter on one of my listings with an offer to purchase. So far it has paid off by having ZERO deals bust in the last year.

Good information.....

Ah yes, the market timers! I know that kind well. I've seen more losses than gains with those types.....if they knew enough about the industry, they'd realize they should lock at the first good rate and count on a float-down if rates improve. As I like to tell my clients, "Protect your backside". That's much more important than trying to time. And oh, there isn't a crystal ball so trying to time is similar odds to playing blackjack.

Sounds like you are dealing with refinance people....very difficult in this volatile market. Have you tried doing an analysis of what it will cost them not to refinance or even not to buy? You almost have to tell them yo will get them that rate but cannot do so until they sign the app. Explain the key to getting a good rate is to time the market and lock when it is down for 30 days, order the appraisal, and fund the loan. If they are buyers they shouldn't even be worrying about rate because they need to be in contract before they can lock.

Hi Karen, Sounds like you are doing a good job of creating some space between you and your competition. Trust your instincts on this one !

You did a great job with your information and professional attitude. I do the same...and as long as they're still calling I give them the time....unless they're pulling string tooooo hard :) :)

Karen, a high APR can be a good thing...it means the interest rate has ben bought down...which will save them the money in the long run. And, APR is rediculous. Every lender I have ever met calcualtes the APR differently.....So comparing the APR is useless. Most lenders leave out many of the fees from the APR.

In Real Estate we deal with this all the time. People are so intent on getting the best deal they do not get any deal at all.

Karen,

There comes a time when you have to say goodbye to a potential client and spend your valuable time with those who will listen to your expert advice. Even if you had closed the loan with them, it sounds as though they had unlimited time for you to educate them over and over again. You would have ended up making less than minimum wage. No one wants to expend their expertise on less than what they are worth.

I know clients appreciate when you give them information without obligation and you are educating them to make the appropriate decisions, but there comes a point where they need to learn by sad experience.

Nevin,

I like your comments. I say almost the same thing. Basically, it boils down to trust and who they feel comforable with. I have found that when you push them away, they tend to to come back. It's Human nature.

Karen, good post on a topic that has always bothered me. Where is that point of diminishing return?

I believe in quality over quantity too. People get crazy when I decide not to work with them because they are being unreasonable. Explain to them what is going on and let them go. They will think about you being so diligent on the front end when they get screwed on the back end :)

JUL

When the market is great, it is easier to dump a time waster. Sometimes when things slow down we wait toooo long.

Karen - Good post. I've seen a shift lately in online use as social media has made the Internet more acceptable. More people are feeling comfortable with shopping online, both for information and products. Everyone feels that they can become an expert on just about any topic after several clicks of their mouse. What is not understood is how rates are calculated and how many diverse actions can influence whether rates go up or down. If the experts can only make educated guesses, how can a neophyte expect to time the market exactly?

I'm still sitting on 3-4 loans waiting for 4.5% because they wouldn't give me the go ahead at 4.625%. Several are still holding out as they have ARM's that won't adjust for awhile and one has given permission for anything below 5%. But it's frustrating all the same. Luckily, I have systems in place to keep them educated, without taking up too much time.

I was faced with a similar Internet client decision last week. I told the truth about her situation and it wasn't what she wanted to hear. Someone else told her what she wanted to hear (No problem, we can do it) and she decided to do business with them. I let her know that I would be here to pick up the pieces if she needed me to.

You made the right decision.

Yep, obviously they know more than you do, a professional of many years. Only Johnny Carson as the great Karnak can tell the market rates day by day behind that card! So, with that said, you can only suggest what might happen and they can only listen. I think listening is not their strongest suite as borrowers. They HAVE TO know, which you can't. You know what's sad, you know they are going to get screwed out of their money elsewhere and there's nothing you can do.

Karen – Now if only all lenders would calculate the a.p.r. the same way, we’d be all set! We point our first time home buyers who take the ABCs of Homebuying course at our local college to look at the a.p.r., too, since it can be a guide for them.

Michael – Our market here in Southern Oregon is pretty active, too. Those buyers who think they are in a buyer’s market so they can low ball are ending up disappointed when the home they want is priced well because someone else swoops in and gets it.

Russell – Like Realtors, not all lenders are alike, eh?

Tchaka – I’ve worked with market timers before, but they’re usually stock market players. Not these folks! Black jack can be a fun game, as long as we’re playing with money we can afford to lose.

Brad – Yep, these folks want to refinance to lower expenses/payments. What I ran in to was an irrational focus on an interest rate/price that was no longer available when the market moved. The borrower acknowledged they were hearing the pricing had increased from every lender except one. When they asked if I could match that pricing, I told them it isn’t available and they should apply with the lender who says they can give it to them. I KNOW it isn’t available – the borrowers will have to find out for themselves.

Bill – Thank you!

Sally – I’m pretty patient, but finally reached the point where I questioned the likelihood of this transaction successfully closing. As much as I love this business, I DO also need to make a living.

Brad – I, too, come across a.p.r. discrepancies a lot when reviewing various TILs. And you’re right – nothing wrong with paying points under the right circumstances to get a lower interest rate, which does indeed raise the a.p.r.

Gene – The old when is it good enough, eh?

Mark – That school of hard knocks is where I’ve learned a lesson or two, also. Always want to help someone else not have to go there. But, that school is where this lesson may – or may not – be learned.

John – The old boomerang client, huh? I think that point is a moving target sometimes.

Renee – Makes a challenging business go a bit easier when we eliminate unnecessary challenge don’t you think?

Bob – These borrowers came through from a referral partner. I will go above and beyond for a referral partner’s clients. The funny thing is it turns out that referral partner had these borrowers call them from a news article – they had never worked with them before! Learning that piece of news made the cutting loose process much easier.

Larry – I’ve found most of my “low rate refi” fence sitters have already jumped. The ones that didn’t may be missing the boat with values being less than stable in most of their markets. Seems every time we see an uptick in the rates they never come back to the low point when they swing downward again… and every appraisal has low priced foreclosed comps!

Lyn – I believe you are right, and that is indeed sad.

My thanks go out to all of you for your great input, suggestions and support.

You did good Karen. There are always those out there that will nickel and dime you to death and are just not worth your time and effort. I think you did a superb job of politely informing them and letting them go.

Thanks, Leah. I know in my gut you are right.

JUL

Sorry to here this. I think you've done all you can.

The client's focus is definitely in the wrong place; They should be focusing on the house (or reducing their payments through refinance), not the very minor detail of the absolute lowest rate (I would hope the difference of an 1/8 or 2 of a percent isn't going to brake them). Boy, are they going to be mad when rates go back up and they miss out.

Joseph - Rates are off again this morning, so there's a strong likelihood these borrowers will experience just that. Thanks for stopping by.

Karen you did the right thing. We have only so many hours in the day. I too enjoy educating my clients BUT when you have those that just WILL NOT listen it is time to cut them loose. Have a great week! You are doing fine!

Wow, this touched a nerve! I printed your comments out and will mention it with a copy to some of the people who do the same to me. And, now, besides being surprised at the end, they will have additional delays with the closing because my guess is at the last minute the APR will increase more than the .125% allowed by MDIA, and they will have to wait the extra days to close!

I often do not lock the rate at application but I make it very clear to clients that the loan is not locked and we will watch rates daily and lock it with their agreement sometime during the loan application period. We will try to get them the best rate I can. If they would rather lock upfront, once I have all the information, I will do that too. This continues to build the connection.

Thanks for putting this down on paper.

Andrea - Thanks for your support and encouragement!

Minette - The lender these borrowers spoke to made it clear they wouldn't lock the rate in until later. These folks seem to have selective memory and just latched on to this lender's rate quote that we know has already changed dramatically because the bond market has headed steadily upward since that day. Glad to be of help!

Karen, I've been playing with a client for three months under the exact same scenario with the exception I held off encouraging an applycation with me because I knew the gentleman was not yet convinced I could get him the "best" rate. Well...he called a couple of weeks ago as I was preparing to leave for a weekend trip and my wife (we work as a team) took the call and thinking he was serious offered to have him stop by the house before we left so I could look over the internet quote he got. ARGHH!!! The buy made a half hour drive and I only had to take a 30 second look at the GFE the internet lender had prepared to be pretty sure they were bluffing - I mean their quote was under the wholesale cost for goodness sake. Similar to you I told this gentleman to go ahead an apply but not to let them charge his credit card. Sure enough, I got an email message later that day letting me know that after he applied the "locked" rate the lender offered was .5% higher than their quote. Of course it was.

You made the right choice, and even if the client doesn't come back you know you did the right thing for them.

Hi Michael - The client called again this morning. They just don't get it! I figure if they catch me in between calls/appts, I'll give another brief explanation, but who has time? Thanks for stoping by.

JUL

Yes, having been in the business for 20 years myself, you know when it's time to give up on a customer. These people were not worth your time.

This blog does not allow anonymous comments