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10 Days into Parenthood

By
Mortgage and Lending with Academy Mortgage Corporation

With all of the drastic changes in the mortgage lending arena, tightening of guidelines and panicked clients our baby could not have chosen a better time to enter this world 9.20.07 at 18:18pm.

The last week has been an experience that I am trying to hang onto for years to come. My life, more appropriately, my priorities have changed so dramatically that I feel like a new person. It comes from waking up to a little mini-me and looking into her wonderous eyes and at her tiny little fist of fragile fingers. I feel so connected to my family now from having two lives completely dependent on me and my real estate finance career for their well being.

Now as I work with clients I am more precise, more compelled to do an exceptional job and more excited than ever to get home to hold our baby after a productive day.

At a signing yesterday I met with my clients and their 3 month old and it dawned on me how my profession is so directly related to helping families with their immediate and long term goals.

This retired air force veteran and his wife were sold into an Option Arm with a 9% fully indexed rate and a $15,000 prepayment penalty. They intend to hang onto and pay off their property and said that they were not aware of the dynamics of the loan which is designed for short term investors.

I always new that providing people with sound mortgage advice was helpful and made for a meaningful career, yet now I see the need to help as many families as possible before some Hack of a loan officer sells a family a loan that only serves his pocketbooks best interest not theirs.

With so many concerns in life the last thing someone needs to worry about is a greedy finance professional to sabotage their goals. 

I look forward to be more active in this incredible community now that I am into my third week of parenthood!

Aloha 

 

 

 

Kris Wales
Keller Williams Realty - Lakeside Market Center - Macomb, MI
Real Estate Blog & Homes for Sale search site, Macomb County MI

First, congrats on your first baby!    She is absolutely gorgeous and although you look tired you also have a glow to you. 

Loved your post.  As we experience more "real life" we empathize more with our clients and can serve them better.

Oct 02, 2007 10:21 PM
Jay Oku
Academy Mortgage Corporation - Ewa Beach, HI

Kris - 26 hours of labor!!! Yeah I know I look tired but I was trying so hard to get her to breath that I practically passed out. Thank you for your comment

Oct 02, 2007 10:28 PM
n d
Naoma Doriguzzi - Virginia Beach, VA
Jay - what a beautiful little girl!  Congratulations!  Having a child definitely puts life into perspective and brings a whole new meaning to life.  My son makes me want to be a better person.  
Oct 02, 2007 11:07 PM
1SG (Ret.) David Kucic
Hawaii Military Realty, Inc. - Ewa Beach, HI
President and Owner

Jay-It is refreshing to know there are LO's out there like you who will not "rake our clients over the coals" jsut to make a few bucks.  Thanks for caring about our Servicemembers and taking such great care of their real estate financial goals.

 

Oct 05, 2007 07:06 PM
Jay Oku
Academy Mortgage Corporation - Ewa Beach, HI

Naoma and David - Thank you both for the comments.

David as we discovered golfing I think that we we are cut from a similar cloth and take our businesses seriously. This is a small island and we want to treat everyone fairly. Really good to have met you.

Oct 05, 2007 08:45 PM
Celeste "SALLY" Cheeseman
Liberty Homes - Mililani, HI
(RA) AHWD CRS ePRO OAHU HAWAII REAL ESTATE
What a sweetheart!  Thanks for sharing the picture and it's LO's such as you that take care of all Hawaii residents. It's amazing we are not experiencing a really bad market such as different areas on the mainland. According to other LO's and companies Hawaii only had about 19 to 20% of the "wacked" loans so we don't have as many foreclosures/short sales going on. It's too bad we even had the percentage we did. It'll make the difference with new buyers...the qualitiy of service you are giving.
Oct 08, 2007 03:40 PM
Jay Oku
Academy Mortgage Corporation - Ewa Beach, HI
Sally - Wow thank you for the kind words! I love what I do and I look forward to helping investors enjoy the process and make it educational rather than frightening. Great Hawaiiana Histroy info on your site. It is a pleasure to read your work.
Oct 10, 2007 10:04 AM