success: “Words of Wisdom from a Client”
- 06/07/15 10:55 PM
“Words of Wisdom from a Client”
I sat with Rocky going over her income and credit, as she wanted to be pre-qualified for a mortgage. She wasn’t ready just yet as she needed to get some credit stuff done. If she follows through with all she needs to handle, we would need about six months.
We spent a few more minutes discussing her plans and some of her goals and she made this amazing statement. “I AM GRATEFUL THAT I CAN GET UP EVERY DAY AND WORK HARD. THE ONLY ONE THAT CAN GET IN MY WAY, IS ME”
I thanked her for … (21 comments)
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success: “I Wasn’t Able to Get These Folks a Mortgage”
- 10/28/14 10:31 PM
“I Wasn’t Able to Get These Folks a Mortgage”
I wish I was successful 100% of the time, that will never happen, but I will always give 100% effort. It was rewarding to receive the email below for the folks I couldn’t get a mortgage for. It made me feel a little better.
DEAR JOE,
BOB AND I WOULD LIKE TO THANK YOU FOR ALL THE TIME AND EFFORT YOU SPENT WITH US TO OBTAIN A MORTGAGE. WE APPRECIATE THE WAY YOU ANSWERED EVERY PHONE CALL AND EVERY QUESTION. YOU NEVER GAVE UP ON US AND … (17 comments)
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success: Faith in a Minority Owned Business, 5 Years Later
- 06/08/14 10:07 PM
“Faith in a Minority Owned Business, 5 Years Later” When I did a mortgage for Kay, she had started her business two years earlier, she was experiencing growing pains and her income was marginal to get her qualified for a mortgage, but we got it done even though it wasn’t easy. In 2013, she paid $135,000 in Federal income tax, the year I did her mortgage, she paid $5,000. I loved her business model at the time as she felt she would be one of those businesses that make it. She has lived in the same home ever … (24 comments)
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success: “I’m in the Problem Solving Business”
- 05/26/14 10:26 PM
“I’m in the Problem Solving Business”
I was a Realtor for 15 years and then for all these years as a mortgage broker. I would never say either of these labels as too what I did for a living.
I always came from the following credo: “Solve someone’s problem and they will solve yours." I have always seen myself in the problem solving business.
I’ll share an example. An individual once came to me for a mortgage on a property that he had a tenant. 7 years earlier his tenants came to him to buy … (13 comments)
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success: “The Impact That Zig Ziglar and Steven Covey Had on ME”
- 01/07/13 02:12 AM
“The Impact That Zig Ziglar and Steven Covey Had on ME”
In the early 70’s I was taking a commercial real estate seminar in Cleveland of all places and two of the three presenters were Steven Covey and Zig Ziglar. At that time, I really had no idea who these guys were, I am not kidding. Can you imagine spending a week with them…
The first thing that I learned from these two guys was, I have a lot to learn. The sad part of it was, at that time in my life, I figured I knew everything, so a great … (8 comments)
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success: I STRIVE FOR PERFECTION IN MY MORTGAGE PRACTICE
- 08/07/12 10:36 PM
“I Strive for Perfection in My Mortgage Practice”
I have seen this argument before, that perfection can hinder your success. The article below sure does give you a lot of food for thought.
Here is how it works for me. I am always striving for perfect. It is not always perfect, but that just gets me to work better or smarter not to repeat any errors that I may have made during any mortgage process.
The part that is really tough, I’m not the only one involved in the mortgage process and anyone of the moving parts can cause a slowdown or delay. … (6 comments)
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success: RESEARCH REPORT SAYS, CUSTOMER SERVICE NOT IMPORTANT, REALLY?
- 08/02/12 03:46 AM
“Research Report Says, Customer Service NOT Important, Really?”
I had to read the article below, to make sure I didn’t miss the punch line. I can’t fathom this thought process, that this is the thinking, but maybe it really is how the big banks think.
I took a mortgage application earlier this week. Rick was contacted by the bank that holds his mortgage (Wells Fargo), to find out if he was interested in refinancing. He presently is paying 5.5%, so the saving would be $350 per month, which is very nice.
He did the application … (10 comments)
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success: WHAT ARE YOU THANKFUL FOR?
- 07/25/12 03:36 AM
“What are You Thankful For?”
My wife and I took a few days off last week to celebrate my birthday. We have been married for 42 years, I am truly blessed.
Early on in our marriage we wanted figure out a way to make sure that communication between us was at a very high level.
We devised the following set of questions:
Written on one side of a sheet of paper, we answered.
1) If you had one year left to live, who would you want to spend the time with … (6 comments)
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success: TOOT YOUR OWN HORN!
- 07/17/12 02:28 AM
"Toot Your own Horn!”
On Friday, I got a call from someone that had just read one of my blogs. She said, she wasn’t sure why she was contacting me since she was already talking to her local bank about refinancing. Now that is a great way to start a conversation.
I asked, if you are already talking to your local bank about refinancing, then how can I assist you. She said that after reading my blog, she felt I knew what I was talking about, even though we didn’t really know each other. Then she offered that the … (10 comments)
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success: WHAT ARE YOU SAYING NO TO?
- 06/19/12 10:33 PM
“What are You Saying NO to?”
I wanted to share my favorite question with you and tell you how and when I first heard this.
I was in Cleveland of all places at a week-long real estate seminar in the early 70’s. Quite frankly, I don’t remember the topic, but if I’m going to spend my time, I want to maximum it. I will always sit in the front row, whenever I can.
To the right of me, was this good looking lady, who happened to be about 5’8’’ or 5’9”. To the right of her was this guy, … (0 comments)
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success: HOW MANY TIMES HAVE YOU READ, WORKING SMARTER NOT HARDER
- 04/13/12 02:05 AM
“How Many Times Have You Read, Working Smarter Not Harder”
The truth is there is nothing wrong with either. Every time I read about working smarter, I wonder why there is so many books and articles written on this topic.
I am not saying that there is something wrong with working smart. I get twice as much done than I did a few years ago, but I had to learn how and why.
I read this statement a number of years ago, that said I wish I had less time to do things, if that was the case I would become more … (7 comments)
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success: WHAT I HAVE LEARNED FROM AND ABOUT FAILURE
- 11/28/11 12:05 AM
“What I have Learned From and About FAILURE”
There is a quote below that comes to mind, every time someone tells me that they have failed. Besides the quote I think about Thomas Edison. Can you imagine where we would be if he had stopped, after the first few times he was not successful?
I’ll share one more extreme about thinking about failure. A tenant of mine, who sold computers for a living, made a crazy statement to me. He said, “There is no difference between success and failure”. I told him he was crazy! He said Joe, let me ask you … (4 comments)
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