JaneAnne......  I hope it becomes quick and easy reading down the road. thanks

Chrissy.... if you can learn something new everyday, that's a great day, week, month, and year. Thanks for stopping by.

Leah.....  it basically comes down to educating the consumer. We all want those great gimmicks that are advertised on tv and in the paper. But until you do your research, it's usually a large percentage of them that are not all cracked up to be what they appear to be.  Thanks for the compliment.

Bill.....  you were scaring me at first, with that long white space. ;o)   Seriously though....  you hit the nail on the head. Many schools don't teach our kids about the fundamentals of money.  And in this case, people will believe what they read. Just a basic fact.  How many people in your time have said... "well, this is what I read. So it must be true, since it's in writing."  Sad, because for the most part, it's usually someone's opinion. Thanks for the feedback and for the compliment.

Chris.....  I actually have done a few of these like that about a month ago. :o)  But thanks for stopping by and for the compliment. 

Shaun.....   the one thing that I am always going to have to face is that this will never stop. It's advertising and it doesn't matter how big the company... they are trying to get consumers to call in. It's a big fish hook. The average consumer just doesn't know. I lost my sister's friend to a commercial like this, that they had to check it out. They just didn't believe me,  Sad, but reality.

Tony.....  you don't?  Darn.  I get all of these free offers. I thought something was up.  Thanks for the comment.

Callie.....  if you read my comment to Shaun, that is the lender that my sister's friend had to check out. I was pretty strong minded about this and I guess I ticked her off. She was listening to too many other people and she started not to believe me. Again, sad, because we now. Thanks for the compliment.

Shaun....  thanks for the support on that one. It just goes to educating the consumer.

Dominick.....    the Santa Claus and Easter Bunny is kind of funny. But in all honesty, if someone told me that on the phone, I think that would be insulting my intelligence, even though you are trying to make a point. I worked with a guy that would come across like this to his clients. The conversations never seemed to go well. There are certain ways in talking to someone to drive your point across. 

Now, I am not saying that you say this to your clients.  But thoughts on paper can sometimes reflect those that are mentioned on the phone or in person. Thanks for stopping by. 

Olan.....  if we advertised high cost loans, you wouldn't get too many clients. Would you?  We know what they are because we are in the business. 

Yes, some of us look for solutions and or many different types of programs to fit the clients needs. But some just go to the company that sounds better, when it might not. 

J.R. ......  yes.....  and not so much wake up.....  but pay attention and ASK QUESTIONS..  This is probably about 30% of the problem. And when a loan officer notices this, they then DON'T volunteer information that the client should know. Not a bait and switch, but just as bad. And then it's easy for the lender to say, well.... we didn't talk about that.  Thanks for the compliment.