Zen and the Art of Mortgage Haiku - The Collection

Education & Training with Tech and Social Media Consultant

Now that I've set out all 17 entries individually,
I'd thought I'd put them all in one easy to access place.

What is a Haiku you ask?

The traditional Japanese Haiku format follows the syllable pattern of 5 - 7 - 5. The writer might bring in a word or concept (kiga) that evokes memories of a particular season.
The last line is usually in sharp contrast (caesura) to the body of the poem.

I chose to backdrop each poem with a traditional Japanese watercolor or photograph. Some in contrast, others not.

To the Haiku purist the following might not be proper in the strict sense. Your latitude is appreciated.




Why 17? It is the total number of syllables in a Haiku, no other reason.
Why separate them? Each one should be read and engaged individually.

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Cree Quaker
The Machree Group, LLC - Woodstock, NY
Ulster County Real Estate
Love the haiku
Mar 28, 2008 01:12 AM #1
Maureen Maureen
Orangeburg, NY
Mike - I've really enjoyed the series and the work you have put into it.  Who knew mortages could be so inspiring.  It was nice to see your creative side.  :)
Mar 28, 2008 01:34 AM #2
Jennifer Monroe
Savvy + Company Real Estate - Charlotte, NC
Real Estate REALTOR®/Broker in Beautiful Charlotte
You are one smart cookie! I was thinking you should do this very thing so everyone can see these on one wall. Very well done!
Mar 28, 2008 02:30 AM #3
Mike Mueller
Tech and Social Media Consultant - Walnut Creek, CA

Cree - Thank you!

Maureen - Thank you as well.  I've actually enjoyed it.

Jennifer - I love the visual look of all these backdrops.


Mar 28, 2008 02:38 AM #4
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life
The backdrops are amazing, I should hire you to stage my posts Mike:-)
Mar 28, 2008 04:09 AM #5
Alan Burwell
McHugh Realtors - Sequim, WA
Mike, I have enjoyed the haiku.  Thank you for the beauty of the watercolors as well.
Mar 28, 2008 05:35 AM #6
Lisa Hill
Florida Property Experts - Daytona Beach, FL
Daytona Beach Real Estate

Nooo! It's supposed to be over =/

J/K. I admitted I wasn't getting it. But I liked the pretty pictures. And I got some of them... kinda. I don't want to think too hard. I'm usually tired by the time I get here.  

Mar 28, 2008 05:13 PM #7
Mike Mueller
Tech and Social Media Consultant - Walnut Creek, CA

Lisa - You know I love ya to pieces!  

Not just for you, but for all the others who are maybe a little too intimidated to ask, here is a cheat sheet for each one.

Haiku 1:  It's estimated that somewhere close to 80% of the homeowners who let their home go to Trustee Sale, NEVER contact their lender.  Wow!

Haiku 2:  I see time and time again the Payment Option Arm showing up in Short Sale transactions.  Generally these people bought into the minimum payment and then bought Cars and took fancy vacations.  Now, that life style is coming back to haunt them.

Haiku 3: As a Mortgage Broker many of us have seen the regulations and pending tightening against being aimed at us.  For good reason I might add.  We all know there are crooks and thieves out there - and many of them are Mortgage Brokers.  However there are also honest ethical people out there who do the right thing and always have.  

Haiku 4: When a Payment Option Arm recasts, it doesn't just adjust, it can easily double or triple their payments.  How many jobs can a family work just too keep up?

Haiku 5:   NINA.  It's a type of loan we used to have.  It stood for No Income, No Assets.  The borrower simply signed the loan application and the Income and Asset sections were blank.  That loan is long gone.  NINA was also one of Columbus' three ships.

Haiku 6:  I start paying attention to the news at 5 AM.  I stream financial tv into the office as well as subscribing o over 160 blogs.  Chang is happening so quickly these days, the only thing that is constant seems to be change.

Haiku 7:  The 1003 (pronounced Ten - O - Three) is the standard mortgage application form.  As guidelines change, what was fundable yesterday, might not be today, and what tomorrow holds - well we just don't know.

Haiku 8:  Of the aforementioned 160 + blogs in my daily reader these are some of the best bloggers in the business.

Haiku 9:  This is one of my favorites.  A mortgage can mean drastically different things to different people.

Haiku 10:  In this day, the old tried and true methods of generating business probably aren't working.  To survive, you must adapt!

Haiku 11:  It seems everyone is looking for someone or something to blame.  

Haiku 12:  Financial Crunch, Liquidity Crunch.  Sometimes I get a little tired of hearing the same thing over and over.  When it comes to Crunch's make mine Chocolate!

Haiku 13:  The Slam Dunk.  It's a Loan Officer term for a loan that doesn't require a lot of work and flies through underwriting.  Or at least it used to.

Haiku 14:  So many people look at blogging, SEO, Metatags as the way to build business.  If that's all your doing - your missing the boat!

Haiku 15:  Once again, for the real estate professional what used to be isn't what needs to be today.  This came from a conversation I had with a real estate agent who just didn't understand why a loan couldn't be done.

Haiku 16:  With all the good changes that are happening we still see Buyers not willing to make the commitment to enter the market.

Haiku 17: This was one of my favorite pictures.  I must have tried 20 different ways to fit the words in without taking away from the picture.  This was the best i could come up with.  

Like the coming and going tide, the real estate market is cyclical.  To me this picture reminded me both of that and the idea to stay on the path.  The current troubles we are seeing are only temporary. 

And there you have it.  A simple and easy KEY to each poem!



Mar 29, 2008 09:02 AM #8
Mike Jones
SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) - Tucson, AZ
Mike Jones NMLS 223495


What an awesome amount of work!  I particularly like the fantail guppy!

Mike in Tucson

Mar 30, 2008 06:01 PM #9
Mike Mueller
Tech and Social Media Consultant - Walnut Creek, CA

Thanks Mike!  It was so simple and elegant.  I tried my best to match the wordsto the print so as to not distract.  That was the best option on that one that I could come up with.


Mar 31, 2008 01:03 AM #10
Sarah Eubanks
Hill Valley Financial Services - Oregon City, OR
Preferred Oregon Loan Consultant & Notary Public
Truly interesting, Mike.  Japan I have not yet been to.  China, though, has some amazing pieces.  I bought a few when I was last there.  :-)
Mar 31, 2008 01:18 AM #11
Eleanor Thorne
Equity Resources - Cary, NC
Equity Resources 919-649-5058
This is one of the most visually beautiful pieces I've ever seen on Mortgage Lending - thank you for sharing (and for the primer as to what the "artist" was thinking with each piece!)
Mar 31, 2008 01:55 AM #12
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Mike....  I just wanted to stop in and say.... very creative. I only briefly read one of your posts out of the 17.  I just haven't had time in the last 2 to 3 weeks but help clients. So I guess I will have to go back sometime this weekend and read each one. But from the comments, sounds like many were impressed. Overall, again, very creative.

jeff belonger
Mar 31, 2008 02:25 AM #13
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life
Mike - This was such an ambitious effort and the fact that these were picked up by local papers in your area is fantastic!  Your cheat sheet here is extraordinary as well.  Thank you so much Mike, you are the man;-)
Apr 01, 2008 03:18 AM #14
Mobile Austin Notary
Apostille/Authentication/Embassy Legalization, Notary Public, Loan Signing Agent & Process Server Services - Austin, TX

Love the cheat sheet.


Nov 26, 2008 01:22 PM #15
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