The Greatest First Impression Ever (I Can't Believe I Did That)

Mortgage and Lending with Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, NMLS #138061 MMCD #1141

The Greatest First Impression Ever (An Entry in Novembers "I Cannot believe I just did that!" contest)



     When I saw the rules for this contest, it took me all of 2 seconds to know what my "I can't believe I just did that" moment would be.  I thankfully haven't had too many slip ups in front of clients, but one stands out and left me pretty red in the face.



     When I was still pretty green in the mortgage business at the ripe old age of 24, I got a call from an elderly client.  He and his wife were looking to refinance, and I had a program that could help them.  They were local, so we agreed to meet early one morning to review the options, and if all looked good, sign loan documents.  He was local, but this was an area and a development I wasn't very familiar with.  I also didn't have GPS.



     With my handwritten "mapquest" directions (thank goodness for in-car nav systems, which I'll never again live without!) I set off for my meeting.  I was running a few minutes behind, as was my custom at that point in my life (I learned the importance of punctuality far later in life than I should have!), but I would be there within 5 minutes of our set appointment time, so no need for a call, right?



     I pulled into the clients development, and my mapquest directions told me the next move was to make a left at a certain street within the development.  This development had a lot of lefts.  Nope, not that one.  Not that one, either.  Nope, not this one.  Noooooooo why is there a cop behind me with his lights on pulling me over?



     In my effort to find my left turn, I failed to ever look right.  Had I looked right, I would have perhaps seen the stop sign on the right hand side.  I did not.  I drove straight through it looking left all the while.  This was not a good enough excuse for the police officer to not write me a ticket.  While I was waiting for him to run my information, I had plenty of time to look around, and as luck would have it, I had pulled over right across the street from MY left.  Life then decided to show me it's ridiculously good sense of humor as I noticed an elderly man in his front yard, hose in hand watering flowers while simultaneously watching my interaction with the 5-0.  Of course this was my client.  Of course I was now 15 minutes late (at least he KNEW I wasn't lying about my excuse, right?).



     Thankfully, these clients were some of the nicest people I've ever met.  I was also able to help save them quite a bit of money and put them in a stable position in their retirement.  We had a laugh about the whole incident, and both agreed that the stop sign I ran was in a spot where no stop sign should be - it wasn't an intersection, it wasn't a high traffic area, and I cannot in my mind imagine a single scenario where that stop sign would prevent an accident.  My client agreed and had wondered himself why that stop sign was there.  The first encounter I had with my client was while I was late for our appointment and pulled over by the police.  Justified or not - I couldn't believe I did that!



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Jon Kolsky
Kolsky Realty & Management - Long Beach, CA
Licensed California Real Estate Broker

John Meussner ~ first off, I don't how we ever got by without in-car nav? Secondly, I have missed many of stop signs the same way... When we are not familiar with the streets and we are looking around, missing the stop sign never fails... I an glad you did not get ticketed, and I bet it was because you had a great attitude when the officer pulled you over

Nov 06, 2014 01:48 AM #7
Ron Saporito, Palm Desert, CA Real Estate & Mortgage Broker Since 2003
Ronald Christopher & Associates. Proudly serving Palm Desert, La Quinta, Indio, Coachella, Rancho Mirage, Palm Springs. - Indio, CA
Call (760)574-8486.

Hi John, that's a great story to share - well not so great but presented very nicely. I'm famous for having to make u-turns and turning the opposite direction I should be.

Nov 06, 2014 02:11 AM #8
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

Joe - thanks for stopping by, and yes, in hindsight it would've been a great idea to have them stop in the office.


Debbie - they were the nicest people ever, and they knew I had a valid excuse for being late! 


Roger - it happens.  The cop was pretty understanding, and I actually beat the ticket in court which was a bonus. 

Nov 06, 2014 02:15 AM #9
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

Bob - haha thanks for the comment, and plennnnnty of people have been able to get mad at me, I wish it worked as you described!


Kathleen - thanks for the great contest.  It was a fun introduction for sure "Hi I'm John, your loan officer and by the looks of things, a criminal"


Lynn - thank you for the comment.  It was a mistake, and honestly one that I'd probably make again, glad my clients were on my side.


Jon - I'll never get by without in-car nav again, didn't realize how much easier it made life until I had it.  I did end up getting a ticket, but beat it in court thankfully.


Ron - thanks for stopping by.  I'm with you, I've made u-turn after u-turn trying to find places I've been driving past.  Being lost is like an invitation to get pulled over it seems.



Nov 06, 2014 02:19 AM #10
Nicole Doty - Gilbert Real Estate Expert
Zion Realty - Gilbert, AZ
Broker/Owner of Zion Realty

John Meussner - What a great description of the scene. I can literally picture it in my head as it's happening. Especially the old guy watering his flowers. Classic.

Nov 06, 2014 05:15 AM #11
Noah Seidenberg
Coldwell Banker - Evanston, IL
Chicagoland and Suburbs (800) 858-7917

Really funny story John. We have all been there. You learn the hard way and it does not rub off so easily. I hope you did not have to pay to big a fine.

Nov 06, 2014 08:30 AM #12
Chris Ann Cleland
Long and Foster REALTORS®, Gainesville, VA - Bristow, VA
Associate Broker, Bristow, VA

That's funny.  You have some very interestig stories involving law enforcement.

Nov 06, 2014 09:04 AM #13
Bette Gottwald
UNITED REAL ESTATE | Central PA - Mechanicsburg, PA
"Bet"on Central PA Real Estate!

John, this was a truly funny story for you to share with us, although certainly you didn't think it was funny at the time.  Not having a GPS can make fools out of us, and thankfully with smart phones we shouldn't have much difficulty navigating around.

Nov 06, 2014 10:51 AM #14
Wayne and Jean Marie Zuhl
Samsel & Associates - Clark, NJ
The Last Names You'll Ever Need in Real Estate

Hi John,

Great story. I guess that it could have been a lot worse. Thank you for sharing 

Nov 06, 2014 11:14 AM #15
Lou Ludwig
Ludwig & Associates - Boca Raton, FL
Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC


Sounds like you worked your way through the challenge and achieved a successful outcome.

Good luck and success.

Lou Ludwig

Nov 06, 2014 11:24 AM #16
Dagny Eason
Dagny's Real Estate - Wilton, CT
Fairfield County CT, CDPE Homes For Sale and Condo

Wow!   John that's so embarrassing!    It sounds like you made it work in your favor, however!

Nov 06, 2014 12:16 PM #17
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hi John -- ahh, come on --- you must have a more embarrassing story than this....

Nov 06, 2014 02:53 PM #18
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

Oh that would have been a bit embarrassing. I am glad it turned out in the end and they trusted you to take good care of them.

Nov 06, 2014 10:07 PM #19
Sharon Paxson
Compass - Newport Beach, CA
Newport Beach Real Estate

Hi John - I would guess that your clients were very understanding given the circumstances, sorry you got that ticket.

Nov 06, 2014 11:58 PM #20
Donna Foerster
HomeSmart Realty Group - Parker, CO
Metro Denver Real Estate Assistant

Unbelievable that you would end up being pulled over right in front of his house. 




Nov 09, 2014 11:07 AM #21
Christi Hacker
Keller Williams Greater Omaha - Omaha, NE
Your Omaha Area Real Estate Specialist

At least you and your client could brush it off! What are the odds that would happen.  Thanks for the story.

Nov 10, 2014 01:05 PM #22
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

Being red faced probably doesn't justly describe it, right?

Nov 11, 2014 07:54 AM #23
Diana Dahlberg
1 Month Realty - Pleasant Prairie, WI
Real Estate in Kenosha, WI since 1994 262-308-3563

John:  A very funny story. Who could ever imagine you would end up right there in front of the client ... getting a ticket and everything!  Glad it ended up you had super nice clients and all things worked out for the good of it all.

Nov 13, 2014 08:10 AM #24
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

Thanks for the comments everyone, it was a pretty embarrassing moment, but it makes for a good story and is funny in hindsight.  Nowadays I look left AND right.

Nov 13, 2014 10:48 AM #25
Tammy Lankford,
Lane Realty Eatonton, GA Lake Sinclair, Milledgeville, 706-485-9668 - Eatonton, GA
Broker GA Lake Sinclair/Eatonton/Milledgeville

Right in front of his house... that's just priceless John.  I'll have to tell a funny story one of these days about going through a license check with a client in the car.

Nov 15, 2014 11:28 AM #26
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