Well, as time goes on it is becoming more obvious that the mortgage industry is becoming more online and one place based!  The mortgage industry are beginning to offer all service at a one stop pop!  Which is great!  I love it, it helps the clients to be able to go to one place and be able to complete a entire transaction and save time and money!  After all, this is what it is all about. The clients!  They are getting ready to offer a one stop shopping for their real estate industry clientele!  Offering property assessments, flood, title, closing products, ect.....online!  

                       I am excited on how this will increase the client services!  Now you must remember that I am a loan officer so this will effect my business!  Well that is unless I find a different niche!  I have heard over and over that referrals are everything!  If you are getting referrals then you have no competition!  On top of making sure I ask for referrals, I need to find a new way to market myself and stand out to the mortgage clientele!  I know it is a easy way of getting to be able to do all of their shopping online, after all it saves time!  Everyone knows that time is money!  Now why would they spend their time, which in return is their money to come and see me?  Well, it is because I am a professional!  I am the professional in this industry not a computer!

                       Yeah it may show them all the options and everything they need to do step by step to get approved and get processed!  But it will not explain in terms that they will understand in order to make a rational judgement that will save them money in the long run!    It also will not give them the re-assurance of making the right choice and that they are in the right loan for them!  Which with out that re-assurance they will feel regret, fear, stress, and worry whether they made the right choice!  All of these things are just as important as the loan itself!  So personalizing  will be my niche! 

                      I can't stress enough how important it is to have that human contact!  I don't even like to do loans over the phone or by fax!  I want to meet my clients! Shake their hand, and look into their eyes!  Reassure them that they have made the right decision!  It is really important to me that my clients are at ease, comfortable and above all, trust me!  Those kind of bonds can only be built by contactual human interaction!  I do have  a lot of clients that prefer to work over the phone and through fax to save them time or to work around their schedule!  Which is fine, that is what I am here for!  To provide a service that is useful, convenient  and helpful, however I really would prefer to meet them at least once in the process!