Jeff Corbett is Guilty

How is Xenophobia best cured with a plate of popcorn lobster and a beer?

In the tradition of East meets West ...Active Rain Get Together, I had the opportunity to meet my online nemesis, Jeff Corbett, for dinner this evening.  Now, Jeff is really not my nemesis.  We did a little blog battle a month ago but had some opportunities to counter-blog and counter the counter blogs to gain some better insight about our respective opinions.  A few e-mails into the deal, we recognized two things:  we both want the same things (more of mo' better business), and that we had an opportunity to meet face-to-face when he traveled to the Coast for business.  I'm really glad we did.

Jeff Corbett is categorically guilty of not explaining his virtuous and revolutionary ideas to people behind the learning curve.  Now, I'm using this term "guilty" here because I want you to experience the affirmation of my early conclusions about Jeff. I suspected that he was probably correct in his concepts of transparent mortgage origination practices, was deploying a provocative marketing message to call attention to the deceptive practices in our industry , and was WAY ahead of me on this Web 2.0 thing.  I was right on all three counts.

Let me explain this "learning curve" thing to you.  I started blogging in August here on Active Rain. "Web 2.0 " to me was something you saw on a Rawlings baseball glove .  "Consumer-centric" to me was the under 10 items line at the grocery store.  The education I've received in this three month experiment has been invaluable; tonight's dinner was the cherry on top of the frosting on top of the cake. Tonight, I can effectively explain what "mash-up technology" is and what "RSS feeds" are.  The Villanova School of Business, a fine institution, never could have moved me along a learning curve as quickly as Active Rain has.

So what have I learned from this experience?  Don't be scared of the unknown.  Don't feel embarassed or stupid about asking questions about the unknown.  Don't be scared to tell some of the Web 2.0 big-thinkers that they need to "dumb it down" a bit so you can understand their message.  Don't be scared to ask someone to dinner.  Don't be scared to pick up the phone. 

Jeff Corbett is actually a pretty shy man.  He's unassuming, unfailingly polite, and a true gentleman.  Get him talking about what we do for a living and his eyes light up, his hands start moving, and his animation grabs you and transports you to a better tomorrow.  It was like watching Ronald Reagan make the Shining City Upon a Hill speech in 1974.  Jeff made a great comment about Active Rain tonight.  He described the Active Rain Real Estate Network as one filled with forward-thinking people who voluntarily exchange good information with absolutely no ulterior motive other than to improve the way we do business with the consumer.  That is pretty cool.

Jeff Corbett is definitely guilty.  He's guilty of having the hare-brained notion that people with ethics and a keyboard will change the way that mortgage origination is done in this country. He thinks the consumer AND the ethical originator will benefit from that hare-brained notion.  He wants YOU to get in line behind him....

...right behind me.

 
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23 Comments on Jeff Corbett is Guilty

You know, your image as a windbag is greatly overblown Mr. Brady:-) Very thoughtful and intelligent and why am I not surprised. Fear makes donkeys out of a lot of people (and I do NOT mean Democrats!)

12/15/2006 03:10 AM by Carole Cohen (Howard Hanna Cleveland City Office)


Jeff's "hare-brained notion" is right on, and I believe it extends to real estate transactions as well as mortgage originations.

12/15/2006 05:33 AM by Sharon Simms St Pete Florida CRS CIPS CLHMS (RE/MAX Metro)


I never thought Jeff was the bad guy - thanks for confirming it. 

On another note - I've never had popcorn lobster, only popcorn shrimp.  Sounds wonderful!

12/15/2006 06:48 AM by Linda Davis (RE/MAX Realty Group)


Brian,

Phenomenal post.  Kudos to you for perhaps going a little bit outside of your "comfort zone" to meet this man who was all but proclaimed the great Satan by some fellow "professionals" just a short time ago.  I have struggled trying to explain mortgage pricing to clients for years now, and yearn for more transparency in this area, just as I hope for strides on the topic of Agency Disclosure, which I believe is the achilles heel of the real estate industry.  Great post.  Hopefully the arrows will go back into their quivers so we can learn more from this man who calls himself the XBroker.   

12/15/2006 07:50 AM by Buyer's Broker of Northern Michigan, LLC


Brian, great post. I have spoken with Jeff on the phone briefly and also found him to be a genuine and very nice guy. Even though his knowledge far exceeds mine:) But I will slowly get over that.

I glad you guys had the opportunity to sit down and talk it out. I'm sure your thinking has been expanded. And that's always a very very good thing.

12/15/2006 08:14 AM by Bryant Tutas-Tutas Towne Realty, Inc


Brian - your a mush!  LOL  The two posts to get me all teary eyed - were written by MEN!

The fear of the unknown is the worst fear, but it is the easist to overcome!

12/15/2006 09:19 AM by Christine Forgione - Associate Broker (PCA Realty, Inc.)


Brian,

Some day when I'm in San Diego I hope I can have dinner with you also. 

I've spoken to Jeff also and agree with your conclusions.

12/15/2006 09:36 AM by Tim Maitski ~ The Atlanta Agent With Nuts (RE/MAX Greater Atlanta)


Brian ~ once again you bring down the house!  Congrats on stepping out of your comfort zone to offer an olive leaf of understanding to a competitor. 

Change is good.

kk

12/15/2006 10:10 AM by Kristal Kraft ~ Denver Real Estate (The Berkshire Group Realtors)


Brian Brady is a class act in mortgage blogging. 

We are all pushing and pulling each other ahead on ActiveRain.  What could be so bad about that?

I am hopeful to have more of these ar real world meetings of my own.  It can only be a good thing. 

12/15/2006 10:20 AM by Maureen Francis & Dmitry Koublitsky, SKBK Sotheby's - Metro Detroit (SKBK Sotheby's International Realty)


Thanks for all the nice comments.  The message of this post is START TALKING TO EACH OTHER!  The collective talent pool is astounding.  Even the "dumbest" among us is light years ahead of our competitors.  The important thing to remember is that WE are at the genesis of a huge paradigm shift that feels like a massive and scary wave. 

I have paddled out in surf that is far too large for my comfort.  You have to watch the other surfers, hold your breath, have a whole lot of faith and GO FOR IT!  The next thing you know, you're standing upon (or lying on) a piece of fiberglass (or foam) in harmony with a force that is bigger than you.

TheXbroker is not a competitor to mortgage originators; he's a champion of causal marketing for us.  We just need to encourage him to slow down and pull people with him up and over the learning curve.  We need the Xbroker and he needs ethical mortgage originators to make this happen.

12/15/2006 11:06 AM by America's #1 Mortgage Broker


My hat is off to you, Mr. Brady. It's difficult at times for us to suck up our pride, move out of our comfort zone, and expose ourselves to new or different perspectives. We are all so very passionate about our chosen careers, the way we conduct our business, and the valued people we serve. We become very protective, and rightly so, of our "turf." There is SOOOO much to be learned from one another. Thanks for making that point so clear!

12/15/2006 12:56 PM by Rich Jacobson ~ ActiveRain Community Builder (ActiveRain Corporation)


Great post and as always, BB, you set an example I try to pattern myself after. Come to Dallas some-time and I'll share with you the delicacy of Rocky Mountain Oysters.

Ken

12/15/2006 02:15 PM by Ken Stampe | Wells Fargo | Mortgage Loan Dallas .com (Ken Stampe | Wells Fargo Home Mortgage))


Brian...I don't know what to say....except that you are a gentleman and a scholar (pardon the cliche'), and took away at least as much from our meeting as you did....

I appreciate your very kind words, advice, and opportunity to meet you....as well as helping me shed the whole Satan thing ;)

12/15/2006 04:13 PM by Jeff Corbett (The XBroker)


I was waiting for the horns to pop out after the first drink but alas it didn't happen (I really didn't think that). 

You're welcome for the well-earned comments, X.

Now let's get to work!  We have a lot to do and so little time to do it.

12/15/2006 05:29 PM by America's #1 Mortgage Broker


Great message Brian, and I admire Jeff's stand for a better tomorrow in our industry.

12/15/2006 05:38 PM by Karl Christen Utah Mortgages~Mortgage Planning Expert (Envision Lending Group)


Brian,

I've only read two good things about your man, his pending fatherhood (probably already happened, that could explain mellowing, kids are good for ones soul) and this kind blog. I remain skeptical.

Bill

12/15/2006 10:01 PM by William J Archambault Jr (The Real Estate Investment Institute )


Brian,

Thanks for bringing the truth out regarding Jeff.  Very honorable of you.  When the blog battles went on, I was not visitng AR much and didn't know the full story.  From what I read of Jeff's blogs, I knew what he had to say was right, but didn't necessarily agree with how he said it.  I also wondered (and still do) what is different about his business model compared to the UMBs (Upfront Mortgage Brokers) which I have mentioned in my comments. 

Jeff has always commended the UMBs and he holds them in high esteem, to which I can see he is a gentleman.  Because of Jeff's ideas, which I still would like to learn more about how much different it is, I never felt compelled to "attack" him except to mention his "stereotyping" of all mortgage professionals.  I did mention once (kind of an attack) about one statement he had mentioned regarding aligning with UMBs, but i am not going to bring that in to play here as it is not an issue as I have found out now.

Thanks again for this post and bringing the true Jeff C. to light.

12/15/2006 10:57 PM by Solid Rock Mortgage Corporation


Brian and Jeff, so I guess this means no more blog wars.  I really enjoyed the back and forth that you both did.  Even though you are both new found friends, I really think that you should use your history of debating here on AR with the blogs and continue with it to help educate people by pointing out all angles like you did before meeting.

PS. Brian, I really enjoyed talking to you the other day.  Thanks for you help.

12/15/2006 11:04 PM by Knightlines Mortgage Services, LLC


Jason: Oh...I promise you that while I am absolutely convinced that Jeff C. has nothing but consumer-centric and broker-freindly intentions, we'll butt heads.  This time it will be fun .   

Robert, remind him to slow down sometimes.  He's a bright guy with big ideas; he just needs to explain his details.  He has a lot to teach and much to learn, as we all do.

PS- The moniker isn't "America's Most Boring Mortgage Broker" 

12/16/2006 01:15 AM by America's #1 Mortgage Broker


Bill:

I didn't catch your comment. " Trust but Verify" , right?  (Reagan)

Jeff C. wants us all to be wealthy by helping the consumer make informed decisions.  Look for a more deliberate Xbroker here at Active Rain.

12/16/2006 01:20 AM by America's #1 Mortgage Broker


So what you are saying it there are no stupid questions here in the rain?

I look forward to my first rain-connection... more and more people are doing it. It is one of those things I bet Matt and the guys NEVER even considered when the started this.

Active Rain is  making the world a bit smaller... but smarter.

KEWL!

Me

12/16/2006 08:30 AM by Craig Schiller (REAL ESTAGING, a nationally recognized leader in Staging.)


The same can be said about agents who are ethical and have a keyboard Brian.....

They are guilty as charged......

shhhhhhh...I wanna do my time quietly so I can talk to as many as I can privately..... ;-D

=-D

12/16/2006 12:15 PM by Central Florida real estate - Alexander Harb PSEMĀ®, E-AgentĀ® (Beach and Luxury Realty Inc.)


Brian,

It must be your influence, I confused the Jeffs, Gormley is the new father.

I've got a problem, there are 15 days left this year and I just used up my quota of mistakes.

Regan's great but Teddy said "Walk softly, but carry a big stick"

Bill

12/16/2006 12:31 PM by William J Archambault Jr (The Real Estate Investment Institute )


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