Will ya please get the wax outta your ears and LISTEN to what I'm ASKING!?

By
Mortgage and Lending with Bank of Oregon a division of Willamette Valley Bank

Is answering a direct question really that hard?  I have a pet peeve when someone cannot answer a direct question asked of them.

Example: Me:  "Hi Sue, what time did you get back into the office this afternoon?"

             Sue: "I was out for lunch"

             Me:  "I know you were out for lunch...I wanted to know what time you got back"

             Sue:  "I went over to that new diner over on Main Street"

             Me:  "Sue, what I'm asking is WHEN DID YOU RETURN TO THE OFFICE?"

             Sue:  "oh, 2:30"

Really, was that so dang difficult!?

I just went through a frustrating email conversation with one of our account reps.  I needed some additional clarification on some information she provided to me yesterday.  Here's the chain of communication.

Me:
What's required in terms of foundation, tie downs etc.  Any restrictions if there is a detached shop on the property?  Do you have acreage restrictions?  Those are the things I need to pin down to provide to him.

Response:
VA does not have any foundation specifics but there has to be tie downs.  The detached shop will be fine as long as it a normal size and is not super large.  VA will not give us any land value on the appraisal so the amount of acreage should not be a factor as long as the comps have similar site sizes.

Me:
Thanks for the info!  I passed it on to the Realtor needing the information.  He's asked "Define, super large".  Can you clarify.

Response:
Anything over 5 acres will raise red flags about potential land-to-value ratios.

Me:
 I'm confused.  You said VA would not give land value on the appraisal, therefore acreage not an issue as long as we had similar site comps.  You said a shop is ok, as long as it wasn't "super large".  The realtor is asking for definition of "super large" on the shop.

 

 Can you please clarify so I can get him accurate information.

Response:
That is correct but common sense would come into play when you have a MFH sitting on acreage larger than 5 acres.

Me:
 ok, but what about your comment "super large" as it pertains to the shop.  Please define what you mean by "super large".  That is his question. 

Response:
The shop needs to be average size so that we don’t consider that this property is income producing.  Some guys have a normal size shop just to work on cars.  If the shop is larger than normal it will be reviewed carefully by the underwriter.

 

SHEESH!  Was that so difficult?!  Listening and communication skills in this business is VERY important.  How can we know we are best serving our clients if we don't LISTEN to their needs?


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Re-Blogged 2 times:

Re-Blogged By Re-Blogged At
  1. Krista Lombardi 07/20/2011 08:03 AM
  2. Robert Vegas Bob Swetz 07/20/2011 07:20 PM
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Tags:
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karen burket
va manufactured home

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Rainer
41,208
Sandi Davidson
Florida's Realty LLC - Lehigh Acres, FL

Karen,

I feel your pain.  This is also a pet peeve of mine.  Part of the problem I think is that people are programmed to be defensive and to already be prepared with an explanation, regardless of the fact that the question being asked is a simple one, and not always requiring anything other than the obvious response.

Jul 20, 2011 06:36 AM #1
Rainmaker
50,823
Jonathan Dalton
Realty ONE Group - Glendale, AZ

You don't have teenagers, do you Karen? ;-)

Of course, there are times when I'd like to throttle people who listen as well as my children don't.

Jul 20, 2011 06:47 AM #2
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

Hi Sandi!  You may be right about folks being "programmed".  I'll be honest...even dear hubby is guilty of this.  Sometimes I want to just slap him!  lol  Thanks for your visit and for taking the time to comment.  Wishing you a fantastic day!  

LOL Jonathan!  Empty nesters...kids all grown and gone.  I swear my dog has better listing skills than some!  (BTW, cute doggy!).  Thanks for stopping by and for your fun response.  Very much appreciated!  :)

 

Jul 20, 2011 06:53 AM #3
Rainmaker
504,688
Teral McDowell
Referral Patners LLC - Murphy, TX

Hi Karen, communication skills work really well in all walks of life even my grandson wants to answer according to his thinking and not the question...lol.

Jul 20, 2011 07:07 AM #4
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

LOL Teral!  Kids say the darndest things for sure!  I remember when my son was little, he was GREAT at "open ended questions".  Instead of asking "hey mom, can I have John spend the night?" he'd say, "Mom, would you rather Seth or John spend the night tonight?"  I swear he should have gone into sales.  LOL! Enjoy your day and thanks for the visit!  :)

Jul 20, 2011 07:12 AM #5
Rainmaker
147,409
Krista Lombardi
Prudential Calfornia Realty - San Diego, CA

Hi Karen, Haha! You are not alone in this.

Jul 20, 2011 07:59 AM #6
Rainer
366,437
John Michailidis
Real Property Management of Sarasota & Manatee - Sarasota, FL
Real Property Management of Sarasota & M

An interesting blog post that I enjoyed reading! Thank you!

Jul 20, 2011 08:21 AM #7
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

Hi Krista...gllad it's not just "me"!   Thanks for your visit and taking the time to read and comment.  All the best to you! 

Jul 20, 2011 08:58 AM #8
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

Hi John (SaraMana).  I'm glad you enjoyed reading.  I appreciate your kind comments.  Have a terrific day!  :-)  

Jul 20, 2011 08:59 AM #9
Rainer
70,184
Jason Frey
PureWest, Inc. - Livingston, MT

Karen - without getting super technical, I'd say "super large" would be at least a four car shop, unless it is smaller and has exceptional ceiling heights, you know, taller than normal.  Then of course, it could have some mega sized overhead doors on it to get a bigger rig into it.  Hmm....did the shop have a hot tub?

To reference another post of yours, we do need a sarcasm font.

Jul 20, 2011 10:54 AM #10
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

Hey Jason!  Houston, we may have a problem then.  Listing agent sent me the details.  Appears there are two accessory improvements in addition to the manufactured home.  One 720 sq. ft.  the other 900.  Gulp.

Oh, and no hot tub, but there is reference to a bath in one of the accessories.  8-/

Wanna join a movement with me? 

Jul 20, 2011 11:10 AM #11
Rainer
70,184
Jason Frey
PureWest, Inc. - Livingston, MT

I'm in.  You lie and I'll swear to it!  Looks like the makings of a new AR Group if you ask me!

Jul 20, 2011 02:14 PM #12
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

OOH I'm LIKIN' that idea!  Sarcasm's Annonymous!  lol   

Jul 20, 2011 02:28 PM #13
Rainmaker
93,833
Scott Warga
ACSI American Construction Specialists & Investigations - Gilbert, AZ

So what is the limit on the number of cars I can fit in a shop? 2, 3, 10.

 

I know exactly how you feel.

I am a 203K consultant, I have been asking for dinifinative FHA 203K requirments for a year.

Everyone keeps sending me back to the same mortagee letters that say it is the old CABO code unless something new is in place and approved.

I tell them there are new codes but does everything on a used house have to meet the current Code?

They send me to a different mortagee letter that saya the same thing.

I asked a consultant that has been doing this for years and he said it is only Safety items.

ALL BUILDING CODES ARE FOR SAFETY

I finially decided I will meke my own list and use it till someone can prove I am wrong.

 

Jul 20, 2011 04:00 PM #14
Ambassador
2,308,004
Robert Vegas Bob Swetz
Realty ONE Group - Las Vegas, NV
Las Vegas Henderson Homes for Sale

Hello Karen and I really like your post and it is so true about asking questions to people and them either not answering or answering your question with a question is also very frustrating.

Your wonderful post has been featured at one of my favorite groups at AR ...

SUCCESS AT ACTIVERAIN

   

Bgpic08042008125736_l

Vegas Bob ;o)

Jul 20, 2011 07:13 PM #15
Rainmaker
908,388
Pamela Seley
West Coast Realty Division - Murrieta, CA
Residential Real Estate Agent serving SW RivCo CA

Karen, for some it is dfficult to answer a direct question. I had to laugh at the round about way you finally got an answer. 

Jul 20, 2011 07:34 PM #16
Rainer
143,002
Karen Burket
Bank of Oregon a division of Willamette Valley Bank - Medford, OR
Valley Mortgage Grou, Conventional, FHA, VA, mortgages

Hey Scott!  Sometimes we just need to make up our OWN rules as we go!  As always, I appreciate your comments!  :)

Good morning Vegas Bob!  Hope all is well in your neck of the world!  Oh yes, answering a question with a question..ANOTHER pet peeve (although admittedly I think my BIGGEST pet peeve is people who leave their shopping carts in the parking lots an don't put them back in the little buggy barn...don't EVEN get me started on that topic!  lol)   And thanks so much for the feature and the re-blog.  Mucho appreciated!  Have a great day!

Hi Pamela!  Honestly, I was hoping the "tone" of my email communication to her wasn't becoming to "curt". I was half tempted to write "listen here woman...can ya just answer my direct question already!?"  I thought better of it.  ;-)  Thanks for the visit and your comments.  Greatly appreciated! 

Jul 21, 2011 05:33 AM #17
Ambassador
2,308,004
Robert Vegas Bob Swetz
Realty ONE Group - Las Vegas, NV
Las Vegas Henderson Homes for Sale

Your very welcome Karen and VB added a little something about his communication problem with his HUGE Burmese Family ... ;o)

PS - All I can say is your "Lucky" you not in my shoes ...

Jul 21, 2011 05:36 AM #18
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Karen Burket

Valley Mortgage Grou, Conventional, FHA, VA, mortgages
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