nice lead in....

Sometimes I fancy myself a consumer.  Aren't we all?  In those moments, I try not to think of things from a professional standpoint, nor a purely logical one.  Instead, I attempt to understand what I would think of things if I wasn't in this industry and wanted to buy a home... or already owned one and/or wanted to dabble into refinancing it.

I won't mention names because I'm not a fan of lawsuits.  Yet, I've seen subtlety directed commercials from Mortgage Companies "tied" to Government Programs.  I've seen rate sheets in the Sunday Paper that made me spit up blood.  I've seen sales at its worst, marketing at its absolute most desperate.  Creative, yes.  Misleading, damn right.

Shopping for a home loan isn't pixie sticks.  This is damn real.  Not that pixie sticks isn't real, but I'm trying to make an analogy over here:) I believe it's about time we buy the product based upon little things called communication & trust.

I tend to reference my man over at All-State.  That's who holds my Car & Homeowner's Insurance.  When I was shopping around, he was on the list but wasn't the cheapest and didn't bring me donuts upon my arrival.  I was referred to him through a friend.  I went with him, cause he sat down and explained it all... warts and everything of insurance.  To this day, if I have a question or problem... he's on it and gets back to me like an ex-girlfriend who just saw a naked picture of me on youtube. 

These days, with the folks that have survived the proverbial mess that is the mortgage business... most I know are pretty damn good people.  They will take care of you.  That typed, there are always exceptions. 

My point in all this is pretty simple.  Be cynical, be careful, and make sure the guy or gal you are dealing with is genuine.  They should not only know what they are doing, but really care.  If they are churning and burning, you may want to move on.  While sales is an institution based upon volume, rarely immediate glory, I'd much rather play the part of Sam Walton (though I don't think Walmart really represents his true vision) than a fictitious character based upon reality named Gordon Gekko.

Advertising can be a short-cut to thinking.  I understand the concept, especially when it goes National, yet I loathe the directions it can & will take.   

I don't need someone to sell me; I just want someone to tell me the truth of the matter.  It's that simple.  That's sales.

About The Author :  Jason Sardi is somewhat illiterate, somewhat intense, and does mortgages for a living.  He/We also has two cats and another stray that seems to like this abode, which he's thinking he/we should adopt.   Jennifer is a better mother than I am a father, for sure.  They will be in very good hands.  Jason Sardi also hates fine print.  Jason Sardi doesn't like B.S.  Obviously, Mr. Sardi doesn't have a degree in Marketing or direct ties to National Mortgage Companies that pad his wallet.  That's a shame, Mr. Sardi likes a padded wallet.  Hmmm, maybe Mr. Sardi will just run for Political Office.  A suit & tie can make angels of us all.

Oh, forgot the contact info.... jsardi@ihmci.com or on my cell at 610-653-0317.  And remember, no prank calls... unless they are really innovative, original, & witty.