We may do the same job but the outcome varies greatly

Real Estate Agent with Coldwell Banker Evergreen Olympic Realty, Olympia WA

The family I helped purchase a home sent me this terrific mug in the mail - I love it! The message of "Keep calm, I'm your Realtor" hits home with these buyers of mine because they had a not-so-stellar experience with their lender, and the experience caused so much stress on them, the wife ended up quite ill.



But I'll get to the ending first. It all worked out beautifully in the end....with another lender.


Real estate professionals may all respectively do the same job but the outcome for the consumer varies greatly.


In this case, my buyers used a national lender to obtain a VA loan. There was a foreclosure in the past that had happened for the buyer. For lenders, there are guidelines on how to handle past foreclosures and there are timelines set. FHA-backed loans have different timelines than VA loans.


This particular lender used FHA guidelines for my client's VA loan. And this lender DECLINED the buyers. They stated they could not offer them a loan of ANY kind because of this foreclosure.


My clients called me in a panic. (Oh, by the way, the lender never informed me they declined them. I wouldn't have known unless my buyers told me.)


I told them not to worry and to call my local go-to lender who I knew could fix this, and he did. He correctly applied VA guidelines for their VA loan and got these buyers closed ON TIME with no further appraisal fees or lender fees.


This story has a happy ending. It is just too bad that the experience was unnecessarily stressful for my clients.


There is a wide range of outcomes in any situation; not all real estate professionals are created equally; the internet is not the end-all for information. Need help? Not sure where to start? Call me for a straight-forward conversation about how it really works. And I'll be sure to connect you with the right local lenders that will make your lending experience a dream instead of a nightmare.

Posted by


Francine Viola, Realtor
In Tune with your Real Estate Needs


Serving Buyers and Sellers in Olympia, Tumwater, Lacey and DuPont, WA

Coldwell Banker Evergreen Olympic Realty, Inc.  |  Olympia, WA


Cell:      (360) 359-0689

Email:  Francine.Viola@cbolympia.com

Web:     www.FrancineViola.com





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Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


We have always believed that the real estate agent should act like a shock absorber for their client.  This is an emotional journey whether buying or selling. A

Mar 06, 2019 12:18 PM #1
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133

Good afternoon Francine. Boy you have said a lot with this. All Realtors are not created equally.

Mar 06, 2019 01:27 PM #2
Steffy Hristova
HomeSmart Elite Group Tempe AZ Tel: 480-966-9353 - Tempe, AZ
Tempe AZ Realtor - Your Home Close to Your Work!

Francine, I can relate to this experience of your clients. I had a similar one that ended happily for my Buyer clients when they connected with my local go-to-lender. I love the mug that your clients sent you.

May 25, 2019 12:29 PM #3
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Francine Viola

REALTOR®, In Tune with your Real Estate Needs
Let me help you find the perfect home in Olympia WA!
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