Just say THANK YOU!

Mortgage and Lending NMLS #94045

Today I received my third call in three days from a credit impaired borrower. Most are referrals from Realtors. One could take this as a kind of insult that I am considered the 'helper' rather than the closer of their better clients. I also receive referrals of better clients - so who's complaining? I consider all referrals an honor and  a compliment to my skill. I am grateful for every call from every person regardless of their situation. I know once I see their reports that these very folks are, in many cases, being cast aside by our system because of one or two small mistakes. Trusting a boyfriend on a car loan, not paying a medical bill their insurance company was supposed to handle, losing a few months income between jobs. Are these people worth any less of our concern? Sure it's not a slam dunk loan but these are people, People!

For me it's an investment in my future business to spend 30 minutes or less (on the phone) with a prospect who in many ways may become the most loyal borrower once I have helped them. I am able to quickly get to the heart of the matter and direct them how to get mortgage ready. I am not in the business of credit repair but I know who is - and I hand out their cards freely!

Sadly, most of these folks are told simply 'NO' by their bank or loan officer. I guess we are all just too hard pressed making a living to appreciate that a simple act of kindness could mean more 'real clients' a few months down the road. 

What does it cost me really to up the phone or email a news bit every few months to cheer them on? Just my time. What does it pay me back? Good feelings, potential clients and goodwill in my community.

I am recommending everyone read The Thank You Economy by Gary Vaynerchuck. A little tome on remembering a gentler time when people mattered and engaged in their communities. Social media is reminding us to value our peeps. Everyone matters in my book!

All the best to you! loannetter

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NMLS# 94045



Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Loannetter is a private brand owned and copyrighted by Susan Templeton.


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Re-Blogged By Re-Blogged At
ActiveRain Community
Giving Back
Puget Sound - WA Real Estate
It's all about them (ThemThem)
credit restoration
mortgage ready
the thank you economy

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Kristal Wilson
KB Home - Fontana, CA
Cause We Like 'Em New ~ New Home Specialist!

Susan ~ it's the people touch, which may not result in business today but it feels good doesn't it?

May 03, 2011 07:55 AM #1
Susan Templeton
Bellingham, WA

Kristal, you said it!

May 03, 2011 07:59 AM #2
Diane McDermott
Realtor®, GRI, Landis e2 Real Estate, LLC - Charlotte, NC
Charlotte NC Real Estate Market

Susan, while you cannot change today, a little guidance can go a long way and they may indeed be clients in the future.  Kind of a "not now" instead of just "no" with some help on what they can do to get there

May 03, 2011 08:04 AM #3
Susan Templeton
Bellingham, WA

Diane, I agree...help is so appreciated these days!

May 03, 2011 08:35 AM #4
Jeff Markell
Empire Home Loans Inc. - Tustin, CA
Sr. Mortgage Consultant - Reverse Mortgages

Susan - It's important for us all to realize, our kindness is an investment in our future business. Here is more on that thought: You Only Get To Keep What You Give Away…

It’s a universal law:
     You have to give before you get.
You must plant your seeds
     before you reap the harvest.
The more you sow, the more you’ll reap.
In giving to others,
     you’ll find yourself blessed.

The law works to give you back
     more than you have sown.
The giver’s harvest is always full.
Those that obtain have little.
Those who scatter have much.

Nature does not give to those
     who will not spend.


May 03, 2011 10:42 AM #5
Susan Templeton
Bellingham, WA

Jeffrey...how lovely! I like: "The giver's harvest is always full." Thank you!

May 03, 2011 11:21 AM #6
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