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