TRUST – Trusted – Find a very trusted realtor/loan officer – I can give you someone to trust
It then goes on to say...."Trust does not need to involve belief in the good character, vices, or morals of the other party. Trust is a statement about what is otherwise unknown -- for example, because it is far away, cannot be verified, or is in the future.
I am an expert. I am the best. I can get you the lowest rate. I can get you the best price for your house. I guarantee. I promise. Don’t worry. No problem. (insert ‘they’ if the referring person is giving you a name to trust)
It's a fact and a reality that some people will tell you what you want to hear. Does this always make them trustworthy? I will agree, it is very scary out there to find someone that you trust. Who can you trust? How can you trust?
Many know how to advertise themselves well, allowing you to think that they are the best of the best. Some people such as a realtor will boast highly about a particular loan officer, telling you how great that person is. My question is, do they know 110%? I would bet in many cases that they don't know. Does a great rate qualify that loan officer as a good loan officer? Or just because they can close your deal? No, not always. I have gone up against several loan officers that were labeled as such great loan officers by their realtor because of what I mentioned above, yet when I spoke to that particular borrower, they weren't educated on many of the particulars.
Here is my thought process. Even if someone gives you a referral name, do your own research. Interview that person just as they would interview you. Please read : Interview you realtor and or loan officer.
Someone not so honest, who will sell you and tell you what you want? OR Someone that is upfront, honest, is very passionate, cares about their client, and who has integrity.
Overall, I have been reading all of the internet, especially on Trulia, answers by realtors and loan officers telling the borrower to find someone that they can trust. Some make it sound so easy, but is it? In my opinion, no.
In my opinion, trust is an over-used and misused word, and people need to be aware of such usage. It's human nature to fall into this trap as the professional using such words or even the consumer who listens to someone using these words and or phrases. I don't think there is a true remedy or solution to this problem. All I can say is do your research and use your git feelings from time to time. If the individual seems to just give you answers that sound great or appealing all of the time, maybe you should ask a few other people. But caution, just because you get 3 of the same answers from 4 people doesn't mean that it could be correct. Please read : Two Wrongs Don't Make A Right. In my opinion, it comes down to integrity, something that many have lost. It becomes that pay check to so many and from where I stand, I can sense this more than ever before. Some loan officers feel that if they can just give you a better than average rate, take an application, and that your loan closes, that they are better than average. Read up on that person. Read what they write, because passion does shine through what many write. In my opinion, those with excellent knowledge and passion, would be a good fit in many cases.
Disclaimer : I don't preach that I am the best or that I know it all. I don't claim to know it all. And if I don't know an answer, I will find out first before giving that answer.
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