Not too long ago, getting financing for real estate was a lot like ordering FAST FOOD.
"One McMortgage, please". Sure enough, when you got to the drive through window, there it was.
So easy you could keep the conversation going on your cell phone all the way to the drive through window. So easy, you barely looked at the person who took the order. So easy you were not concerned about WHAT is was that went into your body, just how good it would taste.
And so cheap you could scrounge around the car and come up with enough change to get your McMortgage, and drive off blissfully.
Mission accomplished. You now own McReal estate.
You could get a McMortgage with a side of lies, or without. You could supersize your McMortgage. Heck, if one of those McMortgages didn't fill you up, you could get a junior McMortgage for only 99 cents and eat that, too.
Feeling stuffed? Wash it down with a sugar coated McDream and you were good to go.
Why would anyone take the time to learn to cook when food was so CHEAP and so EASY? Why would anyone consider the future health consequences of McMortgages?
Like most things that are FAST and EASY, it turns out McMortgages had very little nutritional value. But oh, they tasted GOOD, didn't they? Even if most of the people who ate them GOT SICK and GOT TOO FAT.
Now, we are in the middle of a national NUTRITIONAL CRISIS, and the menu is all different. Its, well, HEALTHIER.
You can't order with a side of lies anymore. Turns out that washing down a McMortgage with a side of greasy lies caused extreme indigestion. (Off the menu).
Supersize McMortgages are much more expensive, and you can't even order a Junior McMortgage. (Off the menu). And it takes alot more than just loose change to buy a McMortgage. You need green money, and lots of it.
Yes, the carefree days of drive through McMortgages are gone. There are still plenty of people who show up at the drive through window, but the window is closed. ACCESS DENIED. Now you need to go inside and sit down. Getting your food takes much longer, and you must engage with the one that is serving.
Lots of those drive through fast food places that served McMortgages are simply gone, out of business. They couldn't figure out how to survive in the new, HEALTHIER environment.
Is the food still cheap? Well, yes. But getting used to a limited menu of healthy food is tough when we gorged ourselves for so many years on fast food that was a nutritional disaster. Going on a diet to shed pounds is an uphill battle. There is a price to pay for betraying our health.
Turns out that cheap food wasn't nearly as cheap as we thought.
So slowly we wean ourselves with whole wheat buns, sprouts, and salads on the side. We don't like it as well, but we know it will be better for us in the long run.
We wash it all down with clear, purified water. The dream is still alive, but the sugar coating is gone.
Thank goodness. Nation, heal thyself.
Written by Janet Guilbault, California Mortgage Expert based out of the San Francisco Bay Area